Federal credit union · New London, Connecticut · NCUA charter #13305
Lawrence Memorial Hospital Employee
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $37.2M
- Total assets
- 2,950
- Members
- 22.5%
- Net-worth ratio
Lawrence Memorial Hospital Employee scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $37.2M; members 2,950; net-worth ratio 22.54%; health rank #1,553 of 4,374; healthier than 60th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,553 of 4,374 health · 2025Q4Lawrence Memorial Hospital… · health 87/100 · $37.2M · 2025Q4
- CHARTER 87/100
- NCUSIF 22.5%
- CAMELS 0.01%
- HEALTH 2.04%
- NW $37.2M
- DELQ 2,950
- ROA #1,553/4,374
- ASSETS Longshoremen's Local 4
- MEM 13305
Call Report peers
Lawrence Memorial Hospital Employee in the assets neighbourhood
Lawrence Memorial Hospital Employee's $37.2M assets sit next to Longshoremen's Local 4 ($37.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Lawrence Memorial Hospital Employee vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
Lawrence Memorial Hospital Employee - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #13305, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Lawrence Memorial Hospital Employee vs $10M–$50M peers
- Largest favorable gap: Net Worth Ratio at 22.54% vs peer 14.86% (+7.68 pp).
- Largest lag: Loan-to-Share Ratio at 32.22% vs peer 59.80% (-27.58 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Lawrence Memorial Hospital Employee sits in Connecticut
- Connecticut health ordinal: #19 of 64.
- Assets rank #37 of 64 inside Connecticut ($37.2M reported).
- Connecticut membership ordinal: #35 of 64.
In-state ordinals use the live credit_unions table for CT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Lawrence Memorial Hospital Employee's 5300 filing moved
Lawrence Memorial Hospital Employee: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.7% from $37.2M (2025Q4) to $38.3M (2026Q1).
- Net-worth ratio shifted -0.09 pp (22.63% → 22.54%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 22.54%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.2 pts
- Loan-to-Share Ratio 8.8 pts
Lawrence Memorial Hospital Employee vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.54% | +7.68 pp |
| Delinquency Rate | 0.01% | -1.14 pp |
| Return on Assets | 2.04% | +1.34 pp |
| Member Growth | -0.44% | - |
| Loan-to-Share Ratio | 32.22% | -27.58 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Lawrence Memorial Hospital… filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $38.3M | - |
| 2025Q4 | $37.2M | 2,950 |
| 2024Q4 | $35.3M | 2,963 |
| 2023Q4 | $34.7M | 2,996 |
Credit Union Details
- Charter Number
- 13305
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Connecticut
- City
- New London
- Data Quarter
- 2025Q4
Branch Location
Lawrence Memorial Hospital Employee operates a single office in New London, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Lawrence Memorial Hospital EFCU (Main Office) | New London, CT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Connecticut
More federally-insured credit unions based in Connecticut, ordered by peer group match and asset size.
- MANCHESTER MUNICIPALMANCHESTER, CT · $10M–$50M90Health
- METROPOLITAN DISTRICT EMPLOYEESHARTFORD, CT · $10M–$50M66Health
- NEW HAVEN COUNTYNorth Haven, CT · $10M–$50M86Health
- CT FIREFIGHTERSHARTFORD, CT · $10M–$50M100Health
- GREENWICH MUNICIPAL EMPLOYEESGreenwich, CT · $10M–$50M83Health
Compare Lawrence Memorial Hospital Employee vs MANCHESTER MUNICIPAL
Lawrence Memorial Hospital Employee nationwide neighbourhoods
Lawrence Memorial Hospital Employee's nationwide photo peers by assets and by health score, excluding Connecticut charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($37.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Lawrence Memorial Hospital Employee ranks #1,553 of 4,374 nationally on financial health and #19 of 64 in CT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Manchester Municipal is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Manchester Municipal
- Rates and health both vary by institution, not just by state -- see how Connecticut credit unions compare overall before assuming this one is typical. Connecticut state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Lawrence Memorial Hospital Employee financially healthy?
Lawrence Memorial Hospital Employee scores 87/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,553 of 4,374; by total assets it ranks #2,672 of 4,374 nationally (same basis as /rankings/largest); and #37 of 64 within Connecticut. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 22.54% net worth ratio and a 0.01% delinquency rate.
How does Lawrence Memorial Hospital Employee compare to other credit unions?
PlainCU's health composite puts Lawrence Memorial Hospital Employee at 87/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Lawrence Memorial Hospital Employee?
Lawrence Memorial Hospital Employee 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 Lawrence Memorial Hospital Employee directly for the exact boundaries and application steps.
Is my money safe at Lawrence Memorial Hospital Employee?
Federal credit unions like Lawrence Memorial Hospital Employee are 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. Lawrence Memorial Hospital Employee's net worth ratio of 22.54% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Lawrence Memorial Hospital Employee offer compared to banks?
Credit unions like Lawrence Memorial Hospital Employee are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Lawrence Memorial Hospital Employee directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.