FINANCIAL SAFETY

As you hear about one financial disaster after another, you probably can’t help but wonder about LFCU's condition and the safety of your money. Here are five facts you should know:

1. LFCU remains one of the strongest financial institutions in the country. Our net worth (or capital) is 15.1% of assets -- more than double the amount regulators consider "well-capitalized." Click here to compare LFCU's capital, ROA and loan losses to the banks.
   
   
2. For 14 consecutive years, LFCU has earned the highest rating possible for financial strength from BauerFinancial. Take a look at how our 5-Star rating compares to the big banks.
   
   
3. Your money is federally insured to at least $250,000 per individual vesting (and another $250,000 for IRAs). Click here to learn how to structure your accounts to secure coverage to $2 million or more.
   
   
4. Low delinquency. The total delinquency in our loan portfolio is only 1.92% of balances. In fact, as of 11/09, only 172 of nearly 12,000 residential mortgages and home equity loans on our books are delinquent.
   
   
5. LFCU generates positive earnings year after year. In fact, we have never reported a loss in our 72-year history. LFCU's annualized Return on Assets of 1.04% (annualized net income divided by average assets) is substantially higher than the bank average.

Your Credit Union continues to be well-positioned to withstand virtually any economic turmoil. If you have any questions, please call (800) 328-LFCU.

More information:

1. How safe is your money? Compare bank ratings
2. Take a look at LFCU's key financial ratios
3. Protect your accounts with federal deposit coverage up to $2 million