LESCO

Charter #6785 | PA

100M-500M (1077 CUs) Micro
61 100M-500M in PA

LESCO has 13 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 3.3% in tier
  • + Emerging Performer: Top 6.0% in tier
  • + Organic Growth Engine: Top 13.8% in tier
  • + Relationship Depth Leader: Top 19.3% in tier
  • + Organic Growth Leader: Top 25.8% in tier
  • + ROA 0.58% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Deposit Growth Rate: Top 3.1% in tier
  • + Asset Growth Rate: Top 3.5% in tier
  • + Members Per Employee (MPE): Top 4.3% in tier
  • + Efficiency Ratio: Top 4.6% in tier
  • + AMR Growth Rate: Top 6.9% in tier
  • + First Mortgage Concentration (%): Top 9.2% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 1.9% in tier
  • - Cost Spiral: Bottom 3.3% in tier
  • - Margin Compression: Bottom 6.0% in tier
  • - Delinquency rate 0.71% above tier average
  • - Total Loans: Bottom 0.5% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 0.6% in tier
  • - Loan-to-Share Ratio: Bottom 0.7% in tier
  • - Net Interest Margin (NIM): Bottom 6.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 7,910
+1.2% YoY-0.4% QoQ
 -7.7K 15,628
-3.4% YoY
 17,552
+5.9% YoY
 33,089
+6.1% YoY
 Bottom 15.3% in tier
Assets $123.5M
+14.9% YoY+1.0% QoQ
 $-107.8M $231.3M
-0.0% YoY
 $283.8M
+10.6% YoY
 $547.7M
+7.8% YoY
 Bottom 15.5% in tier
Loans $24.5M
-2.2% YoY-0.3% QoQ
 $-123.3M $147.8M
-1.4% YoY
 $193.1M
+8.6% YoY
 $388.7M
+8.6% YoY
 Bottom 0.4% in tier
Deposits $104.2M
+16.7% YoY+0.8% QoQ
 $-96.1M $200.3M
-0.0% YoY
 $243.3M
+10.9% YoY
 $464.6M
+9.3% YoY
 Bottom 13.5% in tier
ROA 1.4%
-31.8% YoY-5.0% QoQ
 +0.6% 0.8%
+15.5% YoY
 0.8%
+22.9% YoY
 0.7%
+273.4% YoY
 Top 15.3% in tier
NIM 2.5%
-17.4% YoY-0.6% QoQ
 -1.1% 3.6%
+6.9% YoY
 3.5%
+4.5% YoY
 3.7%
+5.0% YoY
 Bottom 6.7% in tier
Efficiency Ratio 55.2%
+21.7% YoY+0.6% QoQ
 -22.0% 77.3%
-3.0% YoY
 76.2%
-1.5% YoY
 79.1%
-3.3% YoY
 Bottom 4.6% in tier
Delinquency Rate 1.6%
-5.2% YoY-3.6% QoQ
 +0.7 0.9%
+7.6% YoY
 1.3%
-8.2% YoY
 1.2%
-0.9% YoY
 Top 13.1% in tier
Loan To Share 23.5%
-16.2% YoY-1.1% QoQ
 -49.2% 72.7%
-1.5% YoY
 55.4%
-2.3% YoY
 68.0%
-1.7% YoY
 Bottom 0.6% in tier
AMR $16,264
+11.2% YoY+1.0% QoQ
 $-8K $24,363
+2.9% YoY
 $16,339
+4.2% YoY
 $19,418
+1.3% YoY
 Bottom 14.7% in tier
CD Concentration 21.7%
+46.2% YoY+1.5% QoQ
 -2.7% 24.4%
+4.2% YoY
 15.5%
+9.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 8.0%
+2.0% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (5)

Wallet Share Momentum

growth
#93 of 1006 • Top 3.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 11.19%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Emerging Performer

growth
#114 of 627 • Top 6.0% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.37%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 1.24%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Organic Growth Engine

growth
#254 of 603 • Top 13.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.24%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.37%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Relationship Depth Leader

growth
#532 of 1006 • Top 19.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 11.19%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.5K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Organic Growth Leader

growth
#341 of 430 • Top 25.8% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.24%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Concerns (3)

Liquidity Overhang

risk
#30 of 552 • Bottom 1.9% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 15.59%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 23.49%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Cost Spiral

risk
#9 of 62 • Bottom 3.3% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 9.84% points
(Tier: -2.84% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $123.52M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
62 of 1077 Community CUs have this signature | 80 nationally
↓ Shrinking -38 CUs YoY | New qualifier

Margin Compression

decline
#26 of 136 • Bottom 6.0% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.37%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.64% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $123.52M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | New qualifier

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)

Comparing against 1077 peers in tier

Top Strengths (9 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
34
Deposit Growth Rate
growth
Value: 16.69%
Peer Avg: 4.69%
#34 of 1077 Top 3.1% in 100M-500M tier
39
Asset Growth Rate
growth
Value: 14.89%
Peer Avg: 4.70%
#39 of 1077 Top 3.5% in 100M-500M tier
47
Members Per Employee (MPE)
engagement
Value: 527.333
Peer Avg: 332.881
#47 of 1077 Top 4.3% in 100M-500M tier
51
Efficiency Ratio
profitability
Value: 55.23%
Peer Avg: 77.28%
#51 of 1077 Top 4.6% in 100M-500M tier
75
AMR Growth Rate
growth
Value: 11.19%
Peer Avg: 3.64%
#75 of 1077 Top 6.9% in 100M-500M tier
100
First Mortgage Concentration (%)
balance_sheet
Value: 7.10%
Peer Avg: 30.43%
#100 of 1077 Top 9.2% in 100M-500M tier
140
Net Worth Ratio
risk
Value: 15.59%
Peer Avg: 12.15%
#140 of 1077 Top 12.9% in 100M-500M tier
165
Return on Assets (ROA)
profitability
Value: 1.37%
Peer Avg: 0.79%
#165 of 1077 Top 15.2% in 100M-500M tier

Top Weaknesses (11 metrics)

1073
Total Loans
balance_sheet
Value: $24.47M
Peer Avg: $147.80M
#1073 of 1077 Bottom 0.5% in 100M-500M tier
1072
Loan-to-Member Ratio (LMR)
engagement
Value: $3,094
Peer Avg: $10,245
#1072 of 1077 Bottom 0.6% in 100M-500M tier
1070
Loan-to-Share Ratio
balance_sheet
Value: 23.49%
Peer Avg: 72.70%
#1070 of 1077 Bottom 0.7% in 100M-500M tier
1005
Net Interest Margin (NIM)
profitability
Value: 2.53%
Peer Avg: 3.58%
#1005 of 1077 Bottom 6.8% in 100M-500M tier
939
Fee Income Per Member
profitability
Value: $94.26
Peer Avg: $174.31
#939 of 1077 Bottom 12.9% in 100M-500M tier
937
Total Delinquency Rate (60+ days)
risk
Value: 1.57%
Peer Avg: 0.86%
#937 of 1077 Bottom 13.1% in 100M-500M tier
932
Total Deposits
balance_sheet
Value: $104.17M
Peer Avg: $200.29M
#932 of 1077 Bottom 13.6% in 100M-500M tier
919
Average Member Relationship (AMR)
engagement
Value: $16,264
Peer Avg: $24,363
#919 of 1077 Bottom 14.8% in 100M-500M tier
912
Total Members
engagement
Value: 7,910
Peer Avg: 15,628
#912 of 1077 Bottom 15.4% in 100M-500M tier
910
Total Assets
balance_sheet
Value: $123.52M
Peer Avg: $231.30M
#910 of 1077 Bottom 15.6% in 100M-500M tier