State credit union · Marshalltown, Iowa · NCUA charter #64234
Lennox Employees
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $70.9M
- Total assets
- 6,581
- Members
- 8.6%
- Net-worth ratio
Lennox Employees scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $70.9M; members 6,581; net-worth ratio 8.59%; health rank #2,902 of 4,374; healthier than 33rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,902 of 4,374 health · 2025Q4Lennox Employees · health 79/100 · $70.9M · 2025Q4
- NCUSIF 79/100
- CAMELS 8.6%
- HEALTH 1.83%
- NW 0.63%
- DELQ $70.9M
- ROA 6,581
- ASSETS #2,902/4,374
- MEM Professional Fire Fighters
- RANK 64234
Call Report peers
Lennox Employees in the assets neighbourhood
Lennox Employees's $70.9M assets sit next to Professional Fire Fighters ($71.0M) 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.
Lennox Employees 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
79 33rd percentile higher than 33% 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
Lennox Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #64234 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Lennox Employees
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +0.13 pp (62.73% vs 62.60%).
- Widest shortfall vs peers is Net Worth Ratio: -5.03 pp (8.59% vs 13.62%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Lennox Employees: in-state Call Report ranks
- In Iowa, health place is #50 of 66 on the same NCUA-ratio sort used nationally.
- Iowa assets place: #36 of 66.
- Membership ranks #33 of 66 among Iowa CUs with a reported count (6,581 members).
In-state ordinals use the live credit_unions table for IA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Lennox Employees Call Report trajectory
Lennox Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.4% from $70.9M (2025Q4) to $72.7M (2026Q1).
- Net-worth ratio shifted -0.27 pp (8.86% → 8.59%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.59% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 26.5 pts
- Delinquency Rate 13.8 pts
- Return on Assets 15.0 pts
- Member Growth 10.3 pts
- Loan-to-Share Ratio 13.4 pts
Call Report ratios for Lennox Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.59% | -5.03 pp |
| Delinquency Rate | 1.83% | +0.87 pp |
| Return on Assets | 0.63% | -0.03 pp |
| Member Growth | 1.11% | - |
| Loan-to-Share Ratio | 62.73% | +0.13 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Lennox Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $72.7M | - |
| 2025Q4 | $70.9M | 6,581 |
| 2024Q4 | $66.7M | 6,509 |
| 2023Q4 | $61.2M | 6,521 |
Credit Union Details
- Charter Number
- 64234
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Iowa
- City
- Marshalltown
- Data Quarter
- 2025Q4
Branch Location
Lennox Employees operates a single office in Marshalltown, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Lennox Employees Credit Union (Main Office) | Marshalltown, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
More federally-insured credit unions based in Iowa, ordered by peer group match and asset size.
Lennox Employees nationwide neighbourhoods
Cross-state asset and health neighbours for Lennox Employees - kept outside Iowa; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($70.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- Lennox Employees ranks #2,902 of 4,374 nationally on financial health and #50 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Des Moines Metro is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Des Moines Metro
- Rates and health both vary by institution, not just by state -- see how Iowa credit unions compare overall before assuming this one is typical. Iowa 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 Lennox Employees financially healthy?
A 8.59% net worth ratio and a 1.83% delinquency rate feed into Lennox Employees's financial health score of 79/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,902 of 4,374; by total assets it ranks #2,127 of 4,374 nationally (same basis as /rankings/largest); and #36 of 66 within Iowa. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Lennox Employees compare to other credit unions?
Lennox Employees scores 79/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 Lennox Employees?
Membership eligibility for Lennox Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Lennox Employees directly for current membership requirements and application steps.
Is my money safe at Lennox Employees?
Federal credit unions like Lennox Employees 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. Lennox Employees's net worth ratio of 8.59% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Lennox Employees offer compared to banks?
Credit unions like Lennox Employees 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 Lennox Employees 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.