TellerScore

Headquartered in Painesville, Ohio, L C E Federal Credit Union is a federal credit union with $74.3M in total assets and $67.9M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1960.

L C E Federal Credit Union has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than only 47% of its 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 85th. Funding & liquidity contributes the most (100/100, 50% loans-to-deposits, 5% uninsured); capital cushion contributes the least (53/100, 10.34%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Net worth ratio: 10.34%
Loan quality82/100
Loans 60+ days delinquent ÷ total loans: 0.54%
Earnings59/100
Return on assets (annualized): 0.97%
Funding & liquidity100/100
Loans ÷ shares: 50.3% · 5.1% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.40%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (76 → 73), mostly because the earnings component weakened by 19 points.

TellerScore
657177Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202465
Q3 202465
Q4 202468
Q1 202572
Q2 202576
Q3 202575
Q4 202577
Q1 202671
Q2 202673
Net worth ratio
7.00%8.90%10.80%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.82%
Q3 202410.01%
Q4 202410.31%
Q1 202510.12%
Q2 202510.39%
Q3 202510.80%
Q4 202510.71%
Q1 202610.47%
Q2 202610.34%
Delinquent loans (60+ days)
0.47%0.89%1.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.12%
Q3 20241.32%
Q4 20241.16%
Q1 20250.70%
Q2 20250.65%
Q3 20250.88%
Q4 20250.47%
Q1 20260.58%
Q2 20260.54%
Return on assets
0.67%1.06%1.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.89%
Q3 20241.02%
Q4 20241.08%
Q1 20251.14%
Q2 20251.45%
Q3 20251.46%
Q4 20251.28%
Q1 20260.67%
Q2 20260.97%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$74.3M10.34%0.54%0.97%50.3%
Q1 202671$71.1M10.47%0.58%0.67%51.3%
Q4 202577$68.4M10.71%0.47%1.28%53.7%
Q3 202575$66.5M10.80%0.88%1.46%56.0%
Q2 202576$66.7M10.39%0.65%1.45%55.3%
Q1 202572$65.6M10.12%0.70%1.14%55.1%
Q4 202468$62.6M10.31%1.16%1.08%58.6%
Q3 202465$62.5M10.01%1.32%1.02%59.7%
Q2 202465$61.7M9.82%1.12%0.89%61.2%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.34%
19th
Problem loans0.54%
57th
Net charge-offs0.09%
58th
Return on assets0.97%
66th
Loans to deposits50.3%
64th
Uninsured deposits5.1%
21st
Loan-loss reserves0.00%
37th
Texas ratio2.4%
48th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Champion Credit UnionCredit union Toledo, OH73 out of 100, Strong$74.1M11.6%0.89%vs
Integrity Federal Credit UnionCredit union Barberton, OH74 out of 100, Strong$73.4M9.8%0.42%vs
Lan-Fair Federal Credit UnionCredit union Lancaster, OH69 out of 100, Moderate$72.9M10.0%0.37%vs
Jeep Country Federal Credit UnionCredit union Holland, OH53 out of 100, Below average$72.1M15.1%3.66%vs
Kh Credit Union, Inc.Credit union Dayton, OH79 out of 100, Strong$71.1M12.9%0.31%vs
Miami University Community Federal Credit UnionCredit union Oxford, OH59 out of 100, Moderate$77.4M12.7%2.41%vs

Deposit insurance

Is my money safe at L C E Federal Credit Union?

Yes. L C E Federal Credit Union is a federally insured credit union (NCUA charter #13885). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 5.1% of shares and deposits ($3.4M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.34%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

L C E Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, L C E Federal Credit Union reported 33 home-loan applications under HMDA (LEI 254900GNP7G2T27CO093): 27 originated ($2,715,000 total), 6 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
L C E Federal Credit Union
Type
Federal credit union
NCUA charter #
13885
RSSD ID
318189
Primary regulator
NCUA
Established
1960
Headquarters
77 N Saint Clair St, Painesville, OH 44077
Employees
19

Quick answers

L C E Federal Credit Union: common questions

Is L C E Federal Credit Union NCUA insured?

Yes. L C E Federal Credit Union is a federally insured credit union (NCUA charter #13885). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is L C E Federal Credit Union's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does L C E Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Painesville

InstitutionScoreAssetsCapitalProblem loansCompare
Acme Federal Credit UnionCredit union Eastlake, OH88 out of 100, Very strong$15.2M18.9%0.18%vs
Fasson Employees Federal Credit UnionCredit union Painesville, OH87 out of 100, Very strong$14.1M20.6%0.42%vs
Lakeview Federal Credit UnionCredit union Ashtabula, OH85 out of 100, Very strong$155.1M13.0%0.26%vs
Painesville Credit UnionCredit union Painesville, OH83 out of 100, Strong$48.7M15.4%0.32%vs
St. Paschal Baylons Federal Credit UnionCredit union Highland Height, OH79 out of 100, Strong$5.9M12.7%0.00%vs
Best Reward Federal Credit UnionCredit union Brook Park, OH76 out of 100, Strong$163.4M15.5%1.56%vs