Credit Union Safety Analysis
Is Lennox Employees Credit Union Safe? Marshalltown, Iowa
Based on its Q2 2026 NCUA 5300 call report, Lennox Employees Credit Union has a net worth ratio of 8.55%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.89%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Lennox Employees Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Lennox Employees Credit Union's net worth ratio is 8.55%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.55%
- Delinquency ratio (60+ days) (Q2 2026): 0.89%
- Return on assets (Q2 2026): 0.15%
- Loan-to-share ratio (Q2 2026): 64.25%
Lennox Employees Credit Union (NCUA charter 64234, established 1948) reported $73.4M in assets and 6,719 members for Q2 2026 from Marshalltown, Iowa. It ranks 37 of 65 credit unions in Iowa by total assets. Total assets grew 6.9% from $68.7M on June 30, 2025. It has 167 more members than on June 30, 2025 (+2.5%). Its net worth ratio was down 0.60 percentage points from 9.15% on June 30, 2025. Used vehicle loans are its largest loan category, $21.4M of $42.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.89% is above 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: 8.59% for Q1 2026; 9.15% 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: 0.89% for Q1 2026; 2.24% 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: -0.22% for Q1 2026; 0.21% 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: 61.46% for Q1 2026; 63.76% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $21.4M
- New vehicle loans: $10.6M
- 1- to 4-family residential and other consumer real estate loans: $5.3M
- Other unsecured loans and lines of credit: $2.7M
- Commercial loans: $1.7M
- Other secured non-real estate loans and lines of credit: $624K
- Unsecured credit card loans: $596K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $73.4M | 8.55% | 0.89% | 0.15% | 64.25% |
| March 31, 2026 | $72.7M | 8.59% | 0.89% | -0.22% | 61.46% |
| December 31, 2025 | $70.9M | 8.86% | 1.83% | -0.28% | 62.73% |
| September 30, 2025 | $68.8M | 9.20% | 1.96% | 0.30% | 63.78% |
| June 30, 2025 | $68.7M | 9.15% | 2.24% | 0.21% | 63.76% |
| March 31, 2025 | $68.2M | 9.16% | 1.00% | 0.10% | 62.32% |
Add this badge to your website
Free to use. It shows Lennox Employees Credit Union’s latest filed figures and updates each quarter.
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.
Lennox Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 64234) · FFIEC NIC profile (RSSD 391098)
Frequently asked questions
Is Lennox Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Lennox Employees Credit Union's net worth ratio is 8.55%, above the 7% NCUA threshold for well capitalized.
Is Lennox Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Lennox Employees Credit Union is a federally insured credit union (NCUA charter 64234): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Lennox Employees Credit Union's key safety ratios?
For Q2 2026, Lennox Employees Credit Union reports net worth 8.55%, delinquency 0.89%, ROA 0.15%, loan-to-share 64.25%.
What happens to my money if Lennox Employees Credit Union fails?
For Q2 2026, Lennox Employees Credit Union held $66.7M in shares and deposits for 6,719 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.