Federal credit union · Latrobe, Pennsylvania · NCUA charter #6785
LESCO
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $127.1M
- Total assets
- 7,842
- Members
- 14.8%
- Net-worth ratio
LESCO scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $127.1M; members 7,842; net-worth ratio 14.80%; health rank #3,067 of 4,374; healthier than 28th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,067 of 4,374 health · 2025Q4LESCO · health 77/100 · $127.1M · 2025Q4
Call Report peers
LESCO in the assets neighbourhood
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LESCO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); LESCO sits in 75-79 with 502 others.
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
LESCO: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +2.69 pp (14.80% vs 12.11%).
- Loan-to-Share Ratio trails the peer set - 22.24% here, 72.20% peer average (-49.96 pp).
LESCO in Pennsylvania
- In Pennsylvania, health place is #190 of 275 on the same NCUA-ratio sort used nationally.
- Assets rank #71 of 275 inside Pennsylvania ($127.1M reported).
- Member book place in Pennsylvania: #83 of 275.
- One place up in Pennsylvania, Armstrong Co. Federal Emp. (#189) ties at 77/100; one place down, INGERSOLL-RAND (#191) ties at 77/100.
LESCO: 2025Q4 → 2026Q1
LESCO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.0% from $127.1M (2025Q4) to $132.2M (2026Q1).
- Net-worth ratio shifted -0.27 pp (15.07% → 14.80%).
At 14.80%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 77/100 score is built
LESCO gives up 23 points in total. Delinquency Rate costs the most, 9.7 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.3 pts
- Return on Assets 15.0 pts
- Member Growth 8.7 pts
- Loan-to-Share Ratio 8.0 pts
LESCO vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.80% | +2.69 pp |
| Delinquency Rate | 1.63% | +0.73 pp |
| Return on Assets | 1.13% | +0.51 pp |
| Member Growth | -0.18% | - |
| Loan-to-Share Ratio | 22.24% | -49.96 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $132.2M | - |
| 2025Q4 | $127.1M | 7,842 |
| 2024Q4 | $112.0M | 7,856 |
| 2023Q4 | $100.0M | 7,822 |
Credit Union Details
- Charter Number
- 6785
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- Latrobe
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, LESCO runs 2 offices.
| Office | City |
|---|---|
| Lesco Federal Credit Union (Main Office) | Latrobe, PA |
| Greater Latrobe High School Student Branch | Latrobe, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
A look at other Pennsylvania credit unions, ranked by how closely their peer group and asset size match this one.
LESCO nationwide neighbourhoods
Using this data
- LESCO ranks #3,067 of 4,374 nationally on financial health and #190 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Choice One Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Choice One Community
Frequently Asked Questions
Is LESCO financially healthy?
LESCO has a financial health score of 77/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,067 of 4,374 nationally on health and #190 of 275 in Pennsylvania. Its net worth ratio is 14.80% and its delinquency rate 1.63%.
How does LESCO compare to other credit unions?
LESCO scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (14.80% vs 12.11%). Its widest shortfall is loan-to-share ratio (22.24% vs 72.20%).
How can I join LESCO?
LESCO 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 LESCO directly for the exact boundaries and application steps.
Is my money safe at LESCO?
LESCO 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. LESCO's net worth ratio of 14.80% 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.