Credit Union Safety Analysis
Is L C E Federal Credit Union Safe? Painesville, Ohio
Based on its Q2 2026 NCUA 5300 call report, L C E Federal Credit Union has a net worth ratio of 10.34%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.54%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, L C E Federal Credit Union's net worth ratio is 10.34%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.34%
- Delinquency ratio (60+ days) (Q2 2026): 0.54%
- Return on assets (Q2 2026): 1.30%
- Loan-to-share ratio (Q2 2026): 50.35%
L C E Federal Credit Union (NCUA charter 13885, established 1960) reported $74.3M in assets and 5,655 members for Q2 2026 from Painesville, Ohio. It ranks 87 of 191 credit unions in Ohio by total assets. Total assets grew 11.3% from $66.7M on June 30, 2025. It has 59 fewer members than on June 30, 2025 (-1.0%). Its net worth ratio was down 0.05 percentage points from 10.39% on June 30, 2025. Used vehicle loans are its largest loan category, $13.8M of $34.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.54% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 10.47% for Q1 2026; 10.39% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.58% for Q1 2026; 0.65% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.67% for Q1 2026; 1.77% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 51.25% for Q1 2026; 55.26% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $13.8M
- 1- to 4-family residential and other consumer real estate loans: $12.2M
- New vehicle loans: $3.3M
- Other unsecured loans and lines of credit: $2.1M
- Unsecured credit card loans: $1.6M
- Other secured non-real estate loans and lines of credit: $1.0M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $74.3M | 10.34% | 0.54% | 1.30% | 50.35% |
| March 31, 2026 | $71.1M | 10.47% | 0.58% | 0.67% | 51.25% |
| December 31, 2025 | $68.4M | 10.71% | 0.47% | 0.88% | 53.75% |
| September 30, 2025 | $66.5M | 10.80% | 0.88% | 1.48% | 55.99% |
| June 30, 2025 | $66.7M | 10.39% | 0.65% | 1.77% | 55.26% |
| March 31, 2025 | $65.6M | 10.12% | 0.70% | 1.14% | 55.12% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
L C E Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 13885) · FFIEC NIC profile (RSSD 318189)
Frequently asked questions
Is L C E Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, L C E Federal Credit Union's net worth ratio is 10.34%, above the 7% NCUA threshold for well capitalized.
Is L C E Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. L C E Federal Credit Union is a federally insured credit union (NCUA charter 13885): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are L C E Federal Credit Union's key safety ratios?
For Q2 2026, L C E Federal Credit Union reports net worth 10.34%, delinquency 0.54%, ROA 1.30%, loan-to-share 50.35%.
What happens to my money if L C E Federal Credit Union fails?
For Q2 2026, L C E Federal Credit Union held $67.9M in shares and deposits for 5,655 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.