Federal credit union · MEMPHIS, Tennessee · NCUA charter #3796
L G & W
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $112.5M
- Total assets
- 5,708
- Members
- 21.2%
- Net-worth ratio
L G & W scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $112.5M; members 5,708; net-worth ratio 21.22%; health rank #1,032 of 4,374; healthier than 73rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,032 of 4,374 health · 2025Q4L G & W · health 90/100 · $112.5M · 2025Q4
Call Report peers
L G & W in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
L G & W vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); L G & W sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
L G & W: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 21.22% here, 12.11% peer average (+9.11 pp).
- Loan-to-Share Ratio trails the peer set - 37.31% here, 72.20% peer average (-34.89 pp).
L G & W: in-state Call Report ranks
- Health composite ranks #36 of 127 among scored Tennessee credit unions.
- Tennessee assets place: #40 of 127.
- Member book place in Tennessee: #51 of 127.
- One place up in Tennessee, Tennessee River (#35) ties at 90/100; one place down, Johnsonville Tva Employees (#37) ties at 90/100.
L G & W: 2025Q4 → 2026Q1
L G & W: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.3% from $112.5M (2025Q4) to $116.2M (2026Q1).
- Net-worth ratio shifted -0.34 pp (21.56% → 21.22%).
21.22% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
L G & W gives up 10 points in total. Loan-to-Share Ratio costs the most, 5.6 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 10.3 pts
- Loan-to-Share Ratio 9.7 pts
L G & W vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.22% | +9.11 pp |
| Delinquency Rate | 0.33% | -0.57 pp |
| Return on Assets | 0.98% | +0.35 pp |
| Member Growth | 1.04% | - |
| Loan-to-Share Ratio | 37.31% | -34.89 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - L G & W
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $116.2M | - |
| 2025Q4 | $112.5M | 5,708 |
| 2024Q4 | $108.8M | 5,649 |
| 2023Q4 | $107.9M | 5,495 |
Credit Union Details
- Charter Number
- 3796
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Tennessee
- City
- MEMPHIS
- Data Quarter
- 2025Q4
Branch Location
L G & W operates a single office in Memphis, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| L G & W FCU (Main Office) | Memphis, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
More federally-insured credit unions based in Tennessee, ordered by peer group match and asset size.
L G & W nationwide neighbourhoods
Using this data
- L G & W ranks #1,032 of 4,374 nationally on financial health and #36 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- City Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with City Employees
Frequently Asked Questions
Is L G & W financially healthy?
On its 2025Q4 NCUA 5300 filing, L G & W scores 90/100 (Excellent), with a 21.22% net worth ratio and 0.33% of loans delinquent. It ranks #1,032 of 4,374 nationally on health and #36 of 127 in Tennessee.
How does L G & W compare to other credit unions?
L G & W scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (21.22% vs 12.11%). Its widest shortfall is loan-to-share ratio (37.31% vs 72.20%).
How can I join L G & W?
L G & W 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 G & W directly for the exact boundaries and application steps.
Is my money safe at L G & W?
L G & W 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 G & W's net worth ratio of 21.22% 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.