LESCO
Charter #6785 · Latrobe, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 7,822 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.30% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 2.43% sits at the 98th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.42% sits at the 90th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.03% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | LESCO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $132.17M | 21th pct | 87th pct |
| Members | 7,822 | 17th pct | 79th pct |
| Net worth ratio | 14.80% | 84th pct | 56th pct |
| Return on average assets | 1.25% | 81th pct | 74th pct |
| Net interest margin | 2.30% | 3th pct | 0th pct |
| Cost of funds | 2.43% | 96th pct | 98th pct |
| Loan-to-share | 20.97% | 1th pct | 8th pct |
| Delinquency 60+ days | 1.42% | 88th pct | 90th pct |
| Net charge-off ratio | -0.03% | 2th pct | 11th pct |
| Loan growth YoY | -3.54% | 13th pct | 48th pct |
| Share growth YoY | 8.08% | 92th pct | 95th pct |
| Efficiency ratio | 53.58% | 4th pct | 3th pct |
structural peer set hash: a5623e8fa171af9a757f36ca032021b6… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.