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
- PHOTO 84/100
- BOOK 20.4%
- CHARTER 1.35%
- NCUSIF 9.48%
- CAMELS $1.14B
- HEALTH 73,484
- NW #2,051/4,374
- DELQ JUSTICE
- ROA 68632
Call Report peers
LAFCU in the assets neighbourhood
LAFCU's $1.14B assets sit next to JUSTICE ($1.14B) 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.
LAFCU 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
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
LAFCU - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68632: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
LAFCU: 2025Q4 → 2026Q1
LAFCU: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.3% from $1.14B (2025Q4) to $1.14B (2026Q1).
- Net-worth ratio shifted +0.15 pp (20.27% → 20.42%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for LAFCU - kept outside Michigan; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.14B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan 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 LAFCU financially healthy?
LAFCU has a financial health score of 84/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,051 of 4,374; by total assets it ranks #421 of 4,374 nationally (same basis as /rankings/largest); and #23 of 171 within Michigan. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 20.42% and delinquency rate of 1.35%.
How does LAFCU compare to other credit unions?
Five weighted metrics from NCUA filings produce LAFCU's 84/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (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 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?
Federal credit unions like LAFCU 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. LAFCU's net worth ratio of 20.42% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does LAFCU offer compared to banks?
Credit unions like LAFCU 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 LAFCU 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.