TellerScore

Headquartered in Adrian, Michigan, Lenco Credit Union is a federally insured state-chartered credit union with $145.0M in total assets and $126.1M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1970.

Lenco Credit Union has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 82% of its 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 36th. Funding & liquidity contributes the most (98/100, 62% loans-to-deposits, 5% uninsured); earnings contributes the least (64/100, 1.09%).

TellerScore · Q2 2026

Scorecard

Capital cushion71/100
Net worth ratio: 12.14%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.21%
Earnings64/100
Return on assets (annualized): 1.09%
Funding & liquidity98/100
Loans ÷ shares: 62.3% · 5.0% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.94%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (81 → 82).

TellerScore
788082Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202478
Q4 202479
Q1 202581
Q2 202581
Q3 202582
Q4 202582
Q1 202682
Q2 202682
Net worth ratio
7.00%9.57%12.14%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.97%
Q3 202411.27%
Q4 202411.37%
Q1 202511.32%
Q2 202511.57%
Q3 202512.05%
Q4 202512.05%
Q1 202611.98%
Q2 202612.14%
Delinquent loans (60+ days)
0.16%0.31%0.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.30%
Q3 20240.38%
Q4 20240.45%
Q1 20250.21%
Q2 20250.29%
Q3 20250.30%
Q4 20250.32%
Q1 20260.16%
Q2 20260.21%
Return on assets
1.08%1.22%1.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.21%
Q3 20241.26%
Q4 20241.31%
Q1 20251.27%
Q2 20251.29%
Q3 20251.36%
Q4 20251.35%
Q1 20261.08%
Q2 20261.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$145.0M12.14%0.21%1.09%62.3%
Q1 202682$143.6M11.98%0.16%1.08%62.5%
Q4 202582$139.6M12.05%0.32%1.35%65.7%
Q3 202582$135.5M12.05%0.30%1.36%68.4%
Q2 202581$136.8M11.57%0.29%1.29%65.7%
Q1 202581$135.9M11.32%0.21%1.27%63.8%
Q4 202479$131.5M11.37%0.45%1.31%65.0%
Q3 202478$128.3M11.27%0.38%1.26%68.0%
Q2 202478$127.8M10.97%0.30%1.21%66.9%

1,341 peers · $100 million – $1 billion

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 ratio12.14%
60th
Problem loans0.21%
89th
Net charge-offs0.06%
91st
Return on assets1.09%
71st
Loans to deposits62.3%
75th
Uninsured deposits5.0%
60th
Loan-loss reserves0.00%
50th
Texas ratio0.9%
90th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Financialedge Credit UnionCredit union Bay City, MI74 out of 100, Strong$147.2M12.3%0.66%vs
Community First Federal Credit UnionCredit union Lakeview, MI45 out of 100, Below average$148.8M8.4%2.02%vs
Iron Mountain Kingsford Community Federal Credit UnionCredit union Kingsford, MI96 out of 100, Very strong$149.4M17.9%0.18%vs
Consumers Professional Credit UnionCredit union Lansing, MI81 out of 100, Strong$149.7M16.8%1.28%vs
Ukrainian Selfreliance Michigan Federal Credit UnionCredit union Warren, MI83 out of 100, Strong$140.0M13.5%0.39%vs
Walled Lake Schools Federal Credit UnionCredit union Wolverine Lake, MI81 out of 100, Strong$138.4M14.6%1.50%vs

Deposit insurance

Is my money safe at Lenco Credit Union?

Yes. Lenco Credit Union is a federally insured credit union (NCUA charter #60991). 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 5.0% of shares and deposits ($6.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.14%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Lenco Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Lenco Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60991
RSSD ID
331795
Primary regulator
State + NCUA
Established
1970
Headquarters
615 W Maple Ave, Adrian, MI 49221
Employees
21

Quick answers

Lenco Credit Union: common questions

Is Lenco Credit Union NCUA insured?

Yes. Lenco Credit Union is a federally insured credit union (NCUA charter #60991). 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 Lenco Credit Union's TellerScore?

82 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 Lenco Credit Union have?

1 office as of the latest NCUA data.