Saint Louis, Missouri · Peer group 3
Lutheran Credit Union
Lutheran Credit Union holds $39.6M in assets across 4,471 members as of Q1 2026 — about $9K of assets per member, on a charter dating to 2014. Charter number 24861, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $39.6M |
|---|---|
| Total loans | $17.9M |
| Total shares (deposits) | $36.2M |
| Net worth | $3.4M |
| Members | 4,471 |
| Assets per member | $9K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 12.7% | |
|---|---|---|
| Loans | -1.0% | around the 57th percentile of its peer group |
| Deposits | 12.7% | higher than 96% of its peer group |
| Members | -0.2% | around the 65th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 49.6% | around the 36th percentile of its peer group |
|---|---|---|
| Net worth ratio | 8.6% | lower than 92% of its peer group |
| Return on assets | 0.90% | around the 64th percentile of its peer group |
| Delinquency ratio | 0.00% | lower than 95% of its peer group |
| Cash / assets | 23.0% | around the 88th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Lutheran Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Missouri — the comparison set a peer ratio is measured against.
- Shelter Insurance Credit Union
Columbia, MO
$40.3M · 2,887 members
- Show-Me Credit Union
Mexico, MO
$42.8M · 2,646 members
- Columbia Credit Union
Columbia, MO
$33.8M · 2,126 members
- Holy Rosary Credit Union
KANSAS CITY, MO
$46.9M · 6,979 members
- Kansas City Credit Union
KANSAS CITY, MO
$47.7M · 5,051 members
- District One Highway Credit Union
SAINT JOSEPH, MO
$30.4M · 2,059 members
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