LENNOX EMPLOYEES
Charter #64234 | IA
<100M
(2596 CUs)
Micro
($0-$500M)
39 <100M in IA
LENNOX EMPLOYEES has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.48% below tier average
- - Efficiency ratio 8.48% above tier (higher cost structure)
- - Delinquency rate 0.46% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,572
+0.7% YoY+0.3% QoQ
|
+3.9K |
2,625
-2.2% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
Top 7.2% in tier |
| Assets |
$68.8M
+3.6% YoY+0.2% QoQ
|
+$39.0M |
$29.9M
+1.1% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
Top 12.8% in tier |
| Loans |
$40.1M
+3.1% YoY+0.5% QoQ
|
+$24.3M |
$15.8M
-2.4% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
Top 10.3% in tier |
| Deposits |
$62.9M
+4.1% YoY+0.5% QoQ
|
+$37.4M |
$25.5M
+0.4% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Top 10.4% in tier |
| ROA |
0.2%
-75.9% YoY+30.2% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 23.9% in tier |
| NIM |
2.7%
-5.7% YoY+1.9% QoQ
|
-1.2% |
3.9%
+3.8% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
Bottom 10.7% in tier |
| Efficiency Ratio |
89.9%
+25.8% YoY-1.5% QoQ
|
+8.5% |
81.4%
-2.4% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
Top 23.7% in tier |
| Delinquency Rate |
2.0%
+162.1% YoY-12.3% QoQ
|
+0.5 |
1.5%
-2.0% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
Top 20.8% in tier |
| Loan To Share |
63.8%
-0.9% YoY+0.0% QoQ
|
+2.5% |
61.2%
-3.0% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
54th in tier |
| AMR |
$15,674
+3.0% YoY+0.2% QoQ
|
+$1K |
$14,627
-2.7% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
61st in tier |
| CD Concentration |
36.3%
+7.7% YoY+1.9% QoQ
|
+11.9% |
24.4%
+4.2% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
187
Total Members
engagement
Value:
6,572
Peer Avg: 2,626
#187 of 2596
Top 7.2% in <100M tier
267
Total Loans
balance_sheet
Value:
$40.11M
Peer Avg: $15.77M
#267 of 2596
Top 10.2% in <100M tier
269
Total Deposits
balance_sheet
Value:
$62.90M
Peer Avg: $25.45M
#269 of 2596
Top 10.3% in <100M tier
331
Total Assets
balance_sheet
Value:
$68.83M
Peer Avg: $29.86M
#331 of 2596
Top 12.7% in <100M tier
Top Weaknesses (6 metrics)
2333
Share Certificate Concentration (%)
balance_sheet
Value:
36.32%
Peer Avg: 15.37%
#2333 of 2596
Bottom 10.2% in <100M tier
2319
Net Interest Margin (NIM)
profitability
Value:
2.70%
Peer Avg: 3.93%
#2319 of 2596
Bottom 10.7% in <100M tier
2315
Net Worth Ratio
risk
Value:
9.20%
Peer Avg: 16.43%
#2315 of 2596
Bottom 10.9% in <100M tier
2057
Total Delinquency Rate (60+ days)
risk
Value:
1.96%
Peer Avg: 1.51%
#2057 of 2596
Bottom 20.8% in <100M tier
1981
Efficiency Ratio
profitability
Value:
89.87%
Peer Avg: 81.39%
#1981 of 2596
Bottom 23.7% in <100M tier
1975
Return on Assets (ROA)
profitability
Value:
0.20%
Peer Avg: 0.68%
#1975 of 2596
Bottom 24.0% in <100M tier