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
- CAMELS 77/100
- HEALTH 14.8%
- NW 1.63%
- DELQ 1.13%
- ROA $127.1M
- ASSETS 7,842
- MEM #3,067/4,374
- RANK Green Country
- PHOTO 6785
Call Report peers
LESCO in the assets neighbourhood
LESCO's $127.1M assets sit next to Green Country ($127.0M) 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.
LESCO 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
77 28th percentile higher than 28% 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
LESCO - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #6785: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
LESCO: 2025Q4 → 2026Q1
LESCO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.0% from $127.1M (2025Q4) to $132.2M (2026Q1).
- Net-worth ratio shifted -0.27 pp (15.07% → 14.80%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
LESCO's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($127.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania 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 LESCO financially healthy?
LESCO has a financial health score of 77/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,067 of 4,374; by total assets it ranks #1,628 of 4,374 nationally (same basis as /rankings/largest); and #71 of 275 within Pennsylvania. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.80% and delinquency rate of 1.63%.
How does LESCO compare to other credit unions?
77/100 is LESCO's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like LESCO 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. LESCO's net worth ratio of 14.80% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does LESCO offer compared to banks?
Credit unions like LESCO 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 LESCO 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.