TellerScore

Lennox Employees Credit Union (NCUA charter #64234) is based in Marshalltown, Iowa. Its Q2 2026 call report shows $73.4M in total assets and $66.7M in member shares and deposits and 1 office.

Lennox Employees Credit Union has a TellerScore of 55 out of 100 (moderate) based on Q2 2026 data — higher than only 15% of its 2,479 credit unions with under $100 million in assets. Among 66 credit unions headquartered in Iowa, it ranks 57th. Funding & liquidity contributes the most (96/100, 64% loans-to-deposits, 4% uninsured); earnings contributes the least (19/100, -0.04%).

TellerScore · Q2 2026

Scorecard

Capital cushion36/100
Net worth ratio: 8.55%
Loan quality70/100
Loans 60+ days delinquent ÷ total loans: 0.89%
Earnings19/100
Return on assets (annualized): -0.04%
Funding & liquidity96/100
Loans ÷ shares: 64.2% · 4.2% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.09%

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 rose 9 points (46 → 55), mostly because the loan quality component improved by 45 points.

TellerScore
465665Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202465
Q4 202461
Q1 202557
Q2 202546
Q3 202549
Q4 202548
Q1 202654
Q2 202655
Net worth ratio
7.00%8.31%9.62%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.62%
Q3 20249.34%
Q4 20249.33%
Q1 20259.16%
Q2 20259.15%
Q3 20259.20%
Q4 20258.86%
Q1 20268.59%
Q2 20268.55%
Delinquent loans (60+ days)
0.75%1.49%2.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.96%
Q3 20240.75%
Q4 20241.12%
Q1 20251.00%
Q2 20252.24%
Q3 20251.96%
Q4 20251.83%
Q1 20260.89%
Q2 20260.89%
Return on assets
-0.22%0.29%0.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.27%
Q3 20240.81%
Q4 20240.67%
Q1 20250.10%
Q2 20250.16%
Q3 20250.20%
Q4 20250.08%
Q1 2026-0.22%
Q2 2026-0.04%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202655$73.4M8.55%0.89%-0.04%64.2%
Q1 202654$72.7M8.59%0.89%-0.22%61.5%
Q4 202548$70.9M8.86%1.83%0.08%62.7%
Q3 202549$68.8M9.20%1.96%0.20%63.8%
Q2 202546$68.7M9.15%2.24%0.16%63.8%
Q1 202557$68.2M9.16%1.00%0.10%62.3%
Q4 202461$66.7M9.33%1.12%0.67%63.3%
Q3 202465$66.5M9.34%0.75%0.81%64.4%
Q2 202459$61.5M9.62%0.96%0.27%67.9%

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 ratio8.55%
6th
Problem loans0.89%
43rd
Net charge-offs0.62%
23rd
Return on assets-0.04%
18th
Loans to deposits64.2%
42nd
Uninsured deposits4.2%
26th
Loan-loss reserves0.00%
37th
Texas ratio6.1%
24th

Similar-size credit unions in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Des Moines Metro Credit UnionCredit union Des Moines, IA79 out of 100, Strong$77.7M12.6%0.67%vs
Power Co-Op Employees Credit UnionCredit union Humboldt, IA66 out of 100, Moderate$85.6M13.7%2.29%vs
Metco Credit UnionCredit union Cedar Rapids, IA92 out of 100, Very strong$58.7M18.8%0.70%vs
Peoples Credit UnionCredit union Webster City, IA50 out of 100, Below average$91.4M10.6%2.16%vs
5 Star Community Credit UnionCredit union Mount Pleasant, IA58 out of 100, Moderate$54.5M8.3%0.79%vs
First Class Community Credit UnionCredit union West Des Moines, IA78 out of 100, Strong$95.8M10.8%0.37%vs

Deposit insurance

Is my money safe at Lennox Employees Credit Union?

Yes. Lennox Employees Credit Union is a federally insured credit union (NCUA charter #64234). 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 4.2% of shares and deposits ($2.8M) 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 8.55%, slightly 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

Lennox Employees Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Lennox Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64234
RSSD ID
391098
Primary regulator
State + NCUA
Established
1948
Headquarters
1004 E. Main St., Marshalltown, IA 50158
Employees
16

Quick answers

Lennox Employees Credit Union: common questions

Is Lennox Employees Credit Union NCUA insured?

Yes. Lennox Employees Credit Union is a federally insured credit union (NCUA charter #64234). 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 Lennox Employees Credit Union's TellerScore?

55 out of 100 (Moderate), 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 Lennox Employees Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Marshalltown

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers Savings BankBank Marshalltown, IA85 out of 100, Very strong$140.3M16.5%0.57%vs
Pinnacle BankBank Marshalltown, IA82 out of 100, Strong$324.4M14.7%0.75%vs
GNB BankBank Grundy Center, IA76 out of 100, Strong$621.3M12.2%0.62%vs
Citizens Savings BankBank Marshalltown, IA74 out of 100, Strong$77.9M9.9%0.00%vs
Alerus Financial, National AssociationBank Grand Forks, ND70 out of 100, Strong$5.3B9.3%0.26%vs
Nicolet National BankBank Green Bay, WI64 out of 100, Moderate$15.4B9.6%0.63%vs