TellerScore

Headquartered in Amherst, Ohio, Lormet Community Federal Credit Union is a federal credit union with $283.3M in total assets and $244.4M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1936.

Based on its Q2 2026 filing, Lormet Community Federal Credit Union scores 91/100, which we describe as very strong. That is higher than 96% of 1,341 credit unions with $100 million – $1 billion. Among 192 credit unions headquartered in Ohio, it ranks 11th. Its strongest component is funding & liquidity (100/100; 57% loans-to-deposits, 3% uninsured), and its lowest is earnings (80/100; 1.50%).

TellerScore · Q2 2026

Scorecard

Capital cushion87/100
Net worth ratio: 13.73%
Loan quality95/100
Loans 60+ days delinquent ÷ total loans: 0.15%
Earnings80/100
Return on assets (annualized): 1.50%
Funding & liquidity100/100
Loans ÷ shares: 56.9% · 3.2% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.55%

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 2 points (89 → 91), mostly because the capital cushion component improved by 6 points.

TellerScore
838892Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202486
Q4 202486
Q1 202588
Q2 202589
Q3 202589
Q4 202590
Q1 202692
Q2 202691
Net worth ratio
7.00%10.37%13.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.08%
Q3 202412.39%
Q4 202412.62%
Q1 202512.85%
Q2 202513.05%
Q3 202513.24%
Q4 202513.37%
Q1 202613.58%
Q2 202613.73%
Delinquent loans (60+ days)
0.11%0.19%0.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.21%
Q3 20240.11%
Q4 20240.15%
Q1 20250.21%
Q2 20250.20%
Q3 20250.26%
Q4 20250.20%
Q1 20260.15%
Q2 20260.15%
Return on assets
1.30%1.51%1.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.30%
Q3 20241.40%
Q4 20241.38%
Q1 20251.53%
Q2 20251.55%
Q3 20251.58%
Q4 20251.55%
Q1 20261.72%
Q2 20261.50%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202691$283.3M13.73%0.15%1.50%56.9%
Q1 202692$280.9M13.58%0.15%1.72%56.6%
Q4 202590$276.6M13.37%0.20%1.55%58.2%
Q3 202589$271.6M13.24%0.26%1.58%60.4%
Q2 202589$268.3M13.05%0.20%1.55%60.3%
Q1 202588$262.5M12.85%0.21%1.53%61.1%
Q4 202486$255.5M12.62%0.15%1.38%62.4%
Q3 202486$252.3M12.39%0.11%1.40%64.2%
Q2 202483$250.8M12.08%0.21%1.30%64.6%

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 ratio13.73%
76th
Problem loans0.15%
92nd
Net charge-offs0.14%
79th
Return on assets1.50%
89th
Loans to deposits56.9%
82nd
Uninsured deposits3.2%
80th
Loan-loss reserves0.00%
50th
Texas ratio0.6%
94th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Midwest Community Federal Credit UnionCredit union Defiance, OH60 out of 100, Moderate$267.2M8.5%1.05%vs
Bridge Credit UnionCredit union Powell, OH64 out of 100, Moderate$256.8M10.2%0.75%vs
Truecore Federal Credit UnionCredit union Newark, OH67 out of 100, Moderate$255.4M9.3%0.46%vs
Oc Federal Credit UnionCredit union Garfield Hts, OH81 out of 100, Strong$314.9M13.5%0.17%vs
C E S Credit UnionCredit union Mount Vernon, OH91 out of 100, Very strong$244.3M13.1%0.16%vs
Ohio Valley Community Federal Credit UnionCredit union Clarington, OH72 out of 100, Strong$243.6M13.4%1.59%vs

Deposit insurance

Is my money safe at Lormet Community Federal Credit Union?

Yes. Lormet Community Federal Credit Union is a federally insured credit union (NCUA charter #24637). 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 3.2% of shares and deposits ($7.8M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 13.73%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Lormet Community Federal Credit Union lists 4 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Lormet Community Federal Credit Union
Type
Federal credit union
NCUA charter #
24637
RSSD ID
225595
Primary regulator
NCUA
Established
1936
Headquarters
2051 Cooper Foster Park Rd, Amherst, OH 44001
Employees
43

Quick answers

Lormet Community Federal Credit Union: common questions

Is Lormet Community Federal Credit Union NCUA insured?

Yes. Lormet Community Federal Credit Union is a federally insured credit union (NCUA charter #24637). 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 Lormet Community Federal Credit Union's TellerScore?

91 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 Lormet Community Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Amherst

InstitutionScoreAssetsCapitalProblem loansCompare
Acme Federal Credit UnionCredit union Eastlake, OH88 out of 100, Very strong$15.2M18.9%0.18%vs
Cleveland Selfreliance Federal Credit UnionCredit union Parma, OH88 out of 100, Very strong$113.7M17.3%0.01%vs
Medina County Federal Credit UnionCredit union Wadsworth, OH88 out of 100, Very strong$151.3M12.3%0.09%vs
The Catholic Credit UnionCredit union Avon Lake, OH83 out of 100, Strong$11.3M13.1%0.00%vs
Genfed Financial Credit UnionCredit union Akron, OH79 out of 100, Strong$335.9M16.8%1.38%vs
Buckeye Community BankBank Elyria, OH77 out of 100, Strong$238.3M12.9%0.01%vs