LENCO
State-Chartered • Adrian, Michigan • Est. 1970
Quick Facts
- Charter Number
- #60991
- Type
- State-Chartered
- Established
- 1970
- Headquarters
- Adrian, Michigan 49221-1630
- Address
- 615 W Maple Ave
- Branches
- 2
- ATMs
- 2
- Members
- 7,660
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
7,660 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | LENCO |
|---|---|
| Total Assets | $139.6M |
| Members | 7,660 |
| Loans Outstanding | $80.1M |
| Shares & Deposits | $121.8M |
| Net Worth | $16.8M |
| Net Worth Ratio | 12.05% |
| Loan-to-Share Ratio | 65.7% |
| Delinquency Rate | 0.32% |
| Net Income | +$1,941,913 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations · 2 ATMs
Lenco CU Main Address
Main Office615 W Maple Ave
Adrian, MI 49221-1630
Lenco CU Branch
1455 E US Highway 223
Adrian, MI 49221-4382
Who Can Join LENCO?
Membership Type: Community
Membership eligibility for LENCO may vary. Contact the credit union directly to confirm qualification requirements.
Contact LENCO directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Michigan RankingsFrequently Asked Questions
Yes. LENCO is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, LENCO has 7,660 members and a potential membership field of 100,000 people.
LENCO's net worth ratio is 12.05% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 12.1%, LENCO meets this threshold.
LENCO operates 2 branch locations and has access to 2 ATMs. The main office is located at 615 W Maple Ave, Adrian, MI 49221-1630.
LENCO was established in 1970. It is a state-chartered credit union chartered under charter number 60991. The institution has been serving members for 56 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or LENCO. All financial data is for informational purposes only.