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
Call Report peers
LAN-FAIR in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); LAN-FAIR sits in 70-74 with 317 others.
72 20th percentile higher than 20% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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).
- One place up in Ohio, Mahoning Valley (#159) ties at 72/100; one place down, TELHIO (#161) ties at 72/100.
How LAN-FAIR's 5300 filing moved
LAN-FAIR: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $72.5M (2025Q4) to $72.9M (2026Q1).
- Net-worth ratio shifted +0.02 pp (9.86% → 9.88%).
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
LAN-FAIR gives up 28 points in total. Member Growth costs the most, 11 of its 15; Delinquency Rate scores full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is LAN-FAIR financially healthy?
LAN-FAIR has a financial health score of 72/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,484 of 4,374 nationally on health and #160 of 196 in Ohio. Its net worth ratio is 9.88% and its delinquency rate 0.00%.
How does LAN-FAIR compare to other credit unions?
LAN-FAIR scores 72/100, higher than 20% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.00% vs 0.96%). Its widest shortfall is loan-to-share ratio (26.46% vs 62.60%).
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?
LAN-FAIR is a federal 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. LAN-FAIR's net worth ratio of 9.88% 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.