Federal credit union · LANCASTER, Ohio · NCUA charter #17327
LAN-FAIR
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $72.5M
- Total assets
- 3,974
- Members
- 9.9%
- Net-worth ratio
LAN-FAIR scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $72.5M; members 3,974; net-worth ratio 9.88%; health rank #3,484 of 4,374; healthier than 20th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,484 of 4,374 health · 2025Q4LAN-FAIR · health 72/100 · $72.5M · 2025Q4
- MEM 72/100
- RANK 9.9%
- PHOTO 0.00%
- BOOK -0.01%
- CHARTER $72.5M
- NCUSIF 3,974
- CAMELS #3,484/4,374
- HEALTH Bethlehem 1st
- NW 17327
Call Report peers
LAN-FAIR in the assets neighbourhood
LAN-FAIR's $72.5M assets sit next to Bethlehem 1st ($72.5M) 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.
LAN-FAIR 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
72 20th percentile higher than 20% 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
LAN-FAIR - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #17327, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
LAN-FAIR vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Delinquency Rate: -0.96 pp (0.00% vs 0.96%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -36.14 pp (26.46% vs 62.60%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
LAN-FAIR: in-state Call Report ranks
- Ohio health ordinal: #160 of 196.
- By total assets, LAN-FAIR is #91 of 196 in Ohio.
- Membership ranks #109 of 196 among Ohio CUs with a reported count (3,974 members).
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How LAN-FAIR's 5300 filing moved
LAN-FAIR: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $72.5M (2025Q4) to $72.9M (2026Q1).
- Net-worth ratio shifted +0.02 pp (9.86% → 9.88%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.88% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 72/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 72.
- Net Worth Ratio 29.7 pts
- Delinquency Rate 25.0 pts
- Return on Assets 4.4 pts
- Member Growth 4.0 pts
- Loan-to-Share Ratio 8.9 pts
LAN-FAIR vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.88% | -3.74 pp |
| Delinquency Rate | 0.00% | -0.96 pp |
| Return on Assets | -0.01% | -0.66 pp |
| Member Growth | -2.79% | - |
| Loan-to-Share Ratio | 26.46% | -36.14 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - LAN-FAIR
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $72.9M | - |
| 2025Q4 | $72.5M | 3,974 |
| 2024Q4 | $69.0M | 4,088 |
| 2023Q4 | $67.1M | 4,227 |
Credit Union Details
- Charter Number
- 17327
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Ohio
- City
- LANCASTER
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for LAN-FAIR, spread across 2 cities.
| Office | City |
|---|---|
| LAN-FAIR FEDERAL CREDIT UNION LANCASTER LOCATION (Main Office) | LANCASTER, OH |
| LAN-FAIR FEDERAL CREDIT UNION PICKERINGTON OFFICE | PICKERINGTON, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
A look at other Ohio credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for LAN-FAIR
Two NCUA Call Report peer sets for LAN-FAIR, both outside Ohio so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($72.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (72/100 here).
Using this data
- LAN-FAIR ranks #3,484 of 4,374 nationally on financial health and #160 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CHAMPION is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CHAMPION
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio 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 LAN-FAIR financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, LAN-FAIR carries a financial health score of 72/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,484 of 4,374; by total assets it ranks #2,109 of 4,374 nationally (same basis as /rankings/largest); and #91 of 196 within Ohio. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.88% net worth ratio and a 0.00% delinquency rate.
How does LAN-FAIR compare to other credit unions?
72/100 is LAN-FAIR's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 LAN-FAIR?
LAN-FAIR operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact LAN-FAIR directly for the exact boundaries and application steps.
Is my money safe at LAN-FAIR?
Federal credit unions like LAN-FAIR 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. LAN-FAIR's net worth ratio of 9.88% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does LAN-FAIR offer compared to banks?
Credit unions like LAN-FAIR 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 LAN-FAIR 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.