Lutheran Federal Credit Union Saint Louis, Missouri
Lutheran Federal Credit Union is a federal credit union headquartered in Saint Louis, MO, established in 2015 (NCUA charter 24861), and it is regulated and insured by the NCUA. At Q2 2026 it reported 4,501 members and total assets of $38.6M (up 10.3% from Q2 2025), the 47th largest of 85 credit unions headquartered in Missouri. Its net worth ratio was 9.02% at Q2 2026, in the well capitalized band.
Trade name filed with the NCUA: LutheranFCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 24861
- Headquarters
- Saint Louis, MO
- Established
- 2015
- Total assets, Q2 2026
- $38.6M
- Assets vs Q2 2025
- +10.3%
- Members, Q2 2026
- 4,501
- Net worth ratio, Q2 2026
- 9.02%
- Latest call report
- Q2 2026, NCUA 5300 · Lutheran Federal Credit Union call report
- Asset rank in state
- 47th of 85 in Missouri
- Routing number
- 081086742
- Branches
- 2
It has 16 fewer members than on June 30, 2025 (-0.4%). Its net worth ratio was down 0.32 percentage points from 9.34% on June 30, 2025. Used vehicle loans are its largest loan category, $8.4M of $17.8M in total loans on its June 30, 2026 filing.
Frequently asked about Lutheran Federal Credit Union
How big is Lutheran Federal Credit Union?
At Q2 2026 it reported total assets of $38.6M and 4,501 members.
Where is Lutheran Federal Credit Union headquartered?
It is headquartered in Saint Louis, MO, United States.
When was Lutheran Federal Credit Union founded?
It was established in 2015, per NCUA records.
Is Lutheran Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24861): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Lutheran Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Lutheran Federal Credit Union well capitalized?
Its net worth ratio was 9.02% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Lutheran Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 50.72% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Saint Louis, MO 63127
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 2015
- NCUA Charter #
- 24861
- RSSD ID
- 4811259
- Members
- 4,501
- Potential members
- 2,000,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 6 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 9.02% | 14.31% | under 10th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.87% | 0.72% | 57th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 9.66% | 4.74% | 79th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.85% | 3.93% | 47th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 85.66% | 79.83% | 38th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.57% | 0.78% | 63rd above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.41% | 4.70% | 35th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 50.72% | 58.92% | 38th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$38.6M total assets against $35.0M; $35.1M total shares and deposits against $31.8M; $17.8M total loans against $18.6M.
$3.5M net worth against $3.1M.
9.02% net worth ratio against 9.34%.
50.72% loan-to-share ratio against 58.50%.
0.87% return on assets against 1.64%; 9.66% return on equity against 18.39%.
3.85% net interest margin against 4.00%.
4,501 members against 4,517.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.02% | 0.87% | — | 50.72% |
| March 31, 2026 | 8.57% | 0.90% | — | 49.55% |
| December 31, 2025 | 9.35% | 0.73% | — | 55.04% |
| September 30, 2025 | 9.46% | 1.31% | — | 58.70% |
| June 30, 2025 | 9.34% | 1.64% | 0.06% | 58.50% |
| March 31, 2025 | 9.16% | -0.80% | 0.00% | 56.44% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.