TellerScore

Headquartered in Saint Louis, Missouri, Lutheran Federal Credit Union is a federal credit union with $38.6M in total assets and $35.1M in member shares and deposits as of Q2 2026. Its charter dates back to 2014.

Lutheran 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 87 credit unions headquartered in Missouri, it ranks 34th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (40/100, 9.02%).

TellerScore · Q2 2026

Scorecard

Capital cushion40/100
Net worth ratio: 9.02%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings56/100
Return on assets (annualized): 0.90%
Funding & liquidity100/100
Loans ÷ shares: 50.7% · 12.4% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 3 points (70 → 73), mostly because the earnings component improved by 19 points.

TellerScore
637077Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202477
Q4 202476
Q1 202563
Q2 202570
Q3 202573
Q4 202572
Q1 202672
Q2 202673
Net worth ratio
7.00%8.30%9.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.11%
Q3 20249.61%
Q4 20249.56%
Q1 20259.16%
Q2 20259.34%
Q3 20259.46%
Q4 20259.35%
Q1 20268.57%
Q2 20269.02%
Delinquent loans (60+ days)
0.00%0.03%0.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.04%
Q1 20250.00%
Q2 20250.06%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
-0.80%0.25%1.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.98%
Q3 20241.30%
Q4 20241.08%
Q1 2025-0.80%
Q2 20250.42%
Q3 20250.72%
Q4 20250.69%
Q1 20260.90%
Q2 20260.90%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$38.6M9.02%0.00%0.90%50.7%
Q1 202672$39.6M8.57%0.00%0.90%49.6%
Q4 202572$36.9M9.35%0.00%0.69%55.0%
Q3 202573$34.4M9.46%0.00%0.72%58.7%
Q2 202570$35.0M9.34%0.06%0.42%58.5%
Q1 202563$35.2M9.16%0.00%-0.80%56.4%
Q4 202476$32.5M9.56%0.04%1.08%62.5%
Q3 202477$31.3M9.61%0.00%1.30%65.1%
Q2 202474$31.4M9.11%0.00%0.98%59.3%

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 ratio9.02%
9th
Problem loans0.00%
94th
Net charge-offs-0.07%
92nd
Return on assets0.90%
63rd
Loans to deposits50.7%
63rd
Uninsured deposits12.4%
5th
Loan-loss reserves0.00%
37th
Texas ratio0.0%
93rd

Similar-size credit unions in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Shelter Insurance Federal Credit UnionCredit union Columbia, MO80 out of 100, Strong$41.0M13.9%0.86%vs
Columbia Credit UnionCredit union Columbia, MO77 out of 100, Strong$34.4M9.9%0.07%vs
Show-Me Credit UnionCredit union Mexico, MO83 out of 100, Strong$43.7M13.2%0.68%vs
Holy Rosary Credit UnionCredit union Kansas City, MO42 out of 100, Below average$45.4M11.8%3.01%vs
Kansas City Credit UnionCredit union Kansas City, MO41 out of 100, Below average$46.4M8.6%2.57%vs
De Soto Mo Pac Credit UnionCredit union De Soto, MO58 out of 100, Moderate$30.5M9.7%1.33%vs

Deposit insurance

Is my money safe at Lutheran Federal Credit Union?

Yes. Lutheran Federal Credit Union is a federally insured credit union (NCUA charter #24861). 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 12.4% of shares and deposits ($4.4M) 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 9.02%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Lutheran Federal Credit Union
Type
Federal credit union
NCUA charter #
24861
RSSD ID
4811259
Primary regulator
NCUA
Established
2014
Headquarters
10733 Sunset Office Dr Ste 406, Saint Louis, MO 63127
Employees
9

Quick answers

Lutheran Federal Credit Union: common questions

Is Lutheran Federal Credit Union NCUA insured?

Yes. Lutheran Federal Credit Union is a federally insured credit union (NCUA charter #24861). 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 Lutheran 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.