Federal credit union · Painesville, Ohio · NCUA charter #13885
L C E
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $68.4M
- Total assets
- 5,645
- Members
- 10.5%
- Net-worth ratio
L C E scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $68.4M; members 5,645; net-worth ratio 10.47%; health rank #1,688 of 4,374; healthier than 60th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,688 of 4,374 health · 2025Q4L C E · health 87/100 · $68.4M · 2025Q4
Call Report peers
L C E in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
L C E vs every NCUA-scored credit union
L C E sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
L C E vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Delinquency Rate: -0.50 pp (0.47% vs 0.96%).
- Largest lag: Loan-to-Share Ratio at 53.75% vs peer 62.60% (-8.85 pp).
Ohio standing for L C E
- Ohio health ordinal: #75 of 196.
- By total assets, L C E is #96 of 196 in Ohio.
- Ohio membership ordinal: #93 of 196.
- One place up in Ohio, St. Josephs Canton Parish (#74) ties at 87/100; one place down, NORTHWESTERN (#76) ties at 87/100.
How L C E's 5300 filing moved
L C E: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.0% from $68.4M (2025Q4) to $71.1M (2026Q1).
- Net-worth ratio shifted -0.24 pp (10.71% → 10.47%).
At 10.47%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
L C E gives up 13 points in total. Member Growth costs the most, 9.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.8 pts
- Loan-to-Share Ratio 11.2 pts
L C E vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.47% | -3.15 pp |
| Delinquency Rate | 0.47% | -0.50 pp |
| Return on Assets | 0.99% | +0.33 pp |
| Member Growth | -1.77% | - |
| Loan-to-Share Ratio | 53.75% | -8.85 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
L C E filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $71.1M | - |
| 2025Q4 | $68.4M | 5,645 |
| 2024Q4 | $62.6M | 5,747 |
| 2023Q4 | $59.4M | 5,908 |
Credit Union Details
- Charter Number
- 13885
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Ohio
- City
- Painesville
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, L C E runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| L C E Federal Credit Union (Main Office) | Painesville, OH |
| LCE Federal Credit Union Mentor Office | Mentor, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
A look at other Ohio credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for L C E
Similar total assets
Using this data
- L C E ranks #1,688 of 4,374 nationally on financial health and #75 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Educational Community Alliance is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Educational Community Alliance
Frequently Asked Questions
Is L C E financially healthy?
L C E has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,688 of 4,374 nationally on health and #75 of 196 in Ohio. Its net worth ratio is 10.47% and its delinquency rate 0.47%.
How does L C E compare to other credit unions?
L C E scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.47% vs 0.96%). Its widest shortfall is loan-to-share ratio (53.75% vs 62.60%).
How can I join L C E?
L C E operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact L C E directly for the exact boundaries and application steps.
Is my money safe at L C E?
L C E is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. L C E's net worth ratio of 10.47% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.