Headquartered in Hayward, Wisconsin, Lco Federal Credit Union is a federal credit union with $2.9M in total assets and $2.5M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 2001.
Based on its Q2 2026 filing, Lco Federal Credit Union scores 85/100, which we describe as very strong. That is higher than 77% of 2,479 credit unions with under $100 million in assets. Among 98 credit unions headquartered in Wisconsin, it ranks 14th. Its strongest component is funding & liquidity (100/100; 40% loans-to-deposits, 10% uninsured), and its lowest is earnings (60/100; 0.99%).
TellerScore · Q2 2026
Scorecard
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 2 points (87 → 85), mostly because the capital cushion component weakened by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 87 |
| Q4 2024 | 94 |
| Q1 2025 | 93 |
| Q2 2025 | 87 |
| Q3 2025 | 87 |
| Q4 2025 | 84 |
| Q1 2026 | 80 |
| Q2 2026 | 85 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.57% |
| Q3 2024 | 13.87% |
| Q4 2024 | 14.11% |
| Q1 2025 | 14.96% |
| Q2 2025 | 14.89% |
| Q3 2025 | 15.01% |
| Q4 2025 | 14.09% |
| Q1 2026 | 13.60% |
| Q2 2026 | 13.70% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.65% |
| Q3 2024 | 1.07% |
| Q4 2024 | 0.35% |
| Q1 2025 | 0.77% |
| Q2 2025 | 0.24% |
| Q3 2025 | 0.67% |
| Q4 2025 | 0.05% |
| Q1 2026 | 0.79% |
| Q2 2026 | 0.32% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 3.23% |
| Q3 2024 | 3.59% |
| Q4 2024 | 3.44% |
| Q1 2025 | 3.10% |
| Q2 2025 | 0.73% |
| Q3 2025 | 1.14% |
| Q4 2025 | 0.45% |
| Q1 2026 | 0.92% |
| Q2 2026 | 0.99% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 85 | $2.9M | 13.70% | 0.32% | 0.99% | 40.4% |
| Q1 2026 | 80 | $2.9M | 13.60% | 0.79% | 0.92% | 38.9% |
| Q4 2025 | 84 | $2.7M | 14.09% | 0.05% | 0.45% | 40.6% |
| Q3 2025 | 87 | $2.7M | 15.01% | 0.67% | 1.14% | 36.5% |
| Q2 2025 | 87 | $2.6M | 14.89% | 0.24% | 0.73% | 38.2% |
| Q1 2025 | 93 | $2.6M | 14.96% | 0.77% | 3.10% | 35.8% |
| Q4 2024 | 94 | $2.6M | 14.11% | 0.35% | 3.44% | 38.4% |
| Q3 2024 | 87 | $2.5M | 13.87% | 1.07% | 3.59% | 38.1% |
| Q2 2024 | 78 | $2.5M | 12.57% | 1.65% | 3.23% | 36.5% |
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).
Similar-size credit unions in Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Superior Municipal Employees Credit UnionCredit union Superior, WI | 79 out of 100, Strong | $3.0M | 16.5% | 0.00% | vs |
| Wisconsin Latvian, Inc. Credit UnionCredit union Milwaukee, WI | 69 out of 100, Moderate | $3.2M | 9.8% | 0.00% | vs |
| School Employees Credit UnionCredit union Superior, WI | 87 out of 100, Very strong | $2.4M | 16.5% | 0.00% | vs |
| Air Tech Credit UnionCredit union Milwaukee, WI | 85 out of 100, Very strong | $2.1M | 27.6% | 0.00% | vs |
| 1st Class Express Credit UnionCredit union Waukesha, WI | 86 out of 100, Very strong | $2.1M | 22.9% | 0.30% | vs |
| Stoppenbach Credit UnionCredit union Jefferson, WI | 45 out of 100, Below average | $1.8M | 21.2% | 6.11% | vs |
Deposit insurance
Is my money safe at Lco Federal Credit Union?
Yes. Lco Federal Credit Union is a federally insured credit union (NCUA charter #24648). 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 9.5% of shares and deposits ($240K) 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 13.70%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Lco Federal Credit Union lists 2 offices in 2 cities. Most locations:
- Hayward, WI (1)
- Mount Pleasant, WI (1)
Identity & history
Profile
- Legal name
- Lco Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24648
- RSSD ID
- 3017054
- Primary regulator
- NCUA
- Established
- 2001
- Headquarters
- PO Box 1710, Hayward, WI 54843
Quick answers
Lco Federal Credit Union: common questions
Is Lco Federal Credit Union NCUA insured?
Yes. Lco Federal Credit Union is a federally insured credit union (NCUA charter #24648). 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 Lco Federal Credit Union's TellerScore?
85 out of 100 (Very 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 Lco Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Hayward
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Shell Lake State BankBank Shell Lake, WI | 85 out of 100, Very strong | $361.8M | 12.3% | 0.03% | vs |
| Chippewa Valley BankBank Hayward, WI | 74 out of 100, Strong | $735.8M | 8.7% | 0.22% | vs |
| Johnson BankBank Racine, WI | 73 out of 100, Strong | $7.1B | 12.3% | 0.23% | vs |
| Frandsen Bank & TrustBank Lonsdale, MN | 71 out of 100, Strong | $3.7B | 10.0% | 0.71% | vs |
| Associated Bank, National AssociationBank Green Bay, WI | 58 out of 100, Moderate | $51.8B | 8.4% | 0.42% | vs |