LAFCU
Charter #68632 · LANSING, MI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 20.42% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.36% sits at the 16th percentile of structural peers — worth a closer look.
- Net interest margin of 4.53% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.05% sits at the 82nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 80.71% sits at the 77th percentile of structural peers — worth a closer look.
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 | LAFCU | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.14B | 10th pct | 66th pct |
| Members | 73,193 | 21th pct | 62th pct |
| Net worth ratio | 20.42% | 99th pct | 98th pct |
| Return on average assets | 0.36% | 18th pct | 16th pct |
| Net interest margin | 4.53% | 97th pct | 90th pct |
| Cost of funds | 1.16% | 26th pct | 46th pct |
| Loan-to-share | 86.86% | 51th pct | 66th pct |
| Delinquency 60+ days | 1.05% | 81th pct | 82th pct |
| Net charge-off ratio | 0.80% | 74th pct | 59th pct |
| Loan growth YoY | -0.26% | 22th pct | 39th pct |
| Share growth YoY | -0.48% | 4th pct | 2th pct |
| Efficiency ratio | 80.71% | 80th pct | 77th pct |
structural peer set hash: 865f0b6d0bfad1f980499092357d51c7… (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.