State credit union · LANSING, Michigan · NCUA charter #68632
LAFCU
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $1.14B
- Total assets
- 73,484
- Members
- 20.4%
- Net-worth ratio
LAFCU scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.14B; members 73,484; net-worth ratio 20.42%; health rank #2,051 of 4,374; healthier than 50th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,051 of 4,374 health · 2025Q4LAFCU · health 84/100 · $1.14B · 2025Q4
Call Report peers
LAFCU in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
LAFCU vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); LAFCU sits in 80-84 with 767 others.
84 Top 50% higher than 50% 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
Peer-gap read for LAFCU
- Largest favorable gap: Net Worth Ratio at 20.42% vs peer 11.18% (+9.24 pp).
- Widest shortfall vs peers is Delinquency Rate: +0.48 pp (1.35% vs 0.87%).
LAFCU: in-state Call Report ranks
- In Michigan, health place is #102 of 171 on the same NCUA-ratio sort used nationally.
- By total assets, LAFCU is #23 of 171 in Michigan.
- Membership ranks #24 of 171 among Michigan CUs with a reported count (73,484 members).
- One place up in Michigan, Members First (#101) scores 85/100, 1 point higher; one place down, Iron Mountain Kingsford Community (#103) ties at 84/100.
LAFCU: 2025Q4 → 2026Q1
LAFCU: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.3% from $1.14B (2025Q4) to $1.14B (2026Q1).
- Net-worth ratio shifted +0.15 pp (20.27% → 20.42%).
This credit union's 20.42% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 84/100 score is built
LAFCU gives up 16 points in total. Member Growth costs the most, 8.6 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.4 pts
- Return on Assets 15.0 pts
- Member Growth 6.4 pts
- Loan-to-Share Ratio 15.2 pts
Call Report ratios for LAFCU
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.42% | +9.24 pp |
| Delinquency Rate | 1.35% | +0.48 pp |
| Return on Assets | 9.48% | +8.97 pp |
| Member Growth | -1.42% | - |
| Loan-to-Share Ratio | 87.25% | +3.35 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - LAFCU
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.14B | - |
| 2025Q4 | $1.14B | 73,484 |
| 2024Q4 | $1.13B | 74,543 |
| 2023Q4 | $1.03B | 74,774 |
Credit Union Details
- Charter Number
- 68632
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- LANSING
- Data Quarter
- 2025Q4
Branch Locations (10)
LAFCU operates 10 offices across 8 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main (Main Office) | Lansing, MI |
| Charlotte | Charlotte, MI |
| Corunna | Corunna, MI |
| Dewitt | Dewitt, MI |
| Eaton Rapids | Eaton Rapids, MI |
| South Lansing | Lansing, MI |
| Collins | Lansing, MI |
| Mason | Mason, MI |
| Owosso | Owosso, MI |
| St. Johns | Saint Johns, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
LAFCU nationwide neighbourhoods
Using this data
- LAFCU ranks #2,051 of 4,374 nationally on financial health and #102 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WILDFIRE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WILDFIRE
Frequently Asked Questions
Is LAFCU financially healthy?
LAFCU has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,051 of 4,374 nationally on health and #102 of 171 in Michigan. Its net worth ratio is 20.42% and its delinquency rate 1.35%.
How does LAFCU compare to other credit unions?
LAFCU scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (20.42% vs 11.18%). Its widest shortfall is delinquency rate (1.35% vs 0.87%).
How can I join LAFCU?
Membership eligibility for LAFCU depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact LAFCU directly for current membership requirements and application steps.
Is my money safe at LAFCU?
LAFCU is a state-chartered 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. LAFCU's net worth ratio of 20.42% 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.