Federal credit union · Lanai City, Hawaii · NCUA charter #2953
LANAI
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $36.4M
- Total assets
- 2,041
- Members
- 11.7%
- Net-worth ratio
LANAI scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $36.4M; members 2,041; net-worth ratio 11.65%; health rank #1,981 of 4,374; healthier than 54th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,981 of 4,374 health · 2025Q4LANAI · health 85/100 · $36.4M · 2025Q4
Call Report peers
LANAI in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
LANAI vs every NCUA-scored credit union
LANAI sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
LANAI vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.18 pp (0.97% vs 1.15%).
- Loan-to-Share Ratio trails the peer set - 16.23% here, 59.80% peer average (-43.57 pp).
LANAI: in-state Call Report ranks
- Health composite ranks #19 of 45 among scored Hawaii credit unions.
- Assets rank #35 of 45 inside Hawaii ($36.4M reported).
- Member book place in Hawaii: #35 of 45.
- One place up in Hawaii, Hawaii Law Enforcement (#18) ties at 85/100; one place down, Valley Isle Community (#20) ties at 85/100.
LANAI: 2025Q4 → 2026Q1
LANAI: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.6% from $36.4M (2025Q4) to $37.7M (2026Q1).
- Net-worth ratio shifted -0.10 pp (11.75% → 11.65%).
This credit union's 11.65% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 85/100 score is built
LANAI gives up 15 points in total. Loan-to-Share Ratio costs the most, 7.5 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.3 pts
- Return on Assets 14.0 pts
- Member Growth 13.3 pts
- Loan-to-Share Ratio 7.4 pts
LANAI health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.65% | -3.21 pp |
| Delinquency Rate | 0.97% | -0.18 pp |
| Return on Assets | 0.43% | -0.27 pp |
| Member Growth | 3.55% | - |
| Loan-to-Share Ratio | 16.23% | -43.57 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $37.7M | - |
| 2025Q4 | $36.4M | 2,041 |
| 2024Q4 | $35.5M | 1,971 |
| 2023Q4 | $33.9M | 1,853 |
Credit Union Details
- Charter Number
- 2953
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Hawaii
- City
- Lanai City
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, LANAI runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Lanai City, HI |
| Visifi (Formerly EPL) | Hoover, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Hawaii
Other federally-insured credit unions in Hawaii, closest first by peer group and asset size.
Other-state peers near LANAI
Using this data
- LANAI ranks #1,981 of 4,374 nationally on financial health and #19 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Maui Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Maui Teachers
Frequently Asked Questions
Is LANAI financially healthy?
LANAI has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,981 of 4,374 nationally on health and #19 of 45 in Hawaii. Its net worth ratio is 11.65% and its delinquency rate 0.97%.
How does LANAI compare to other credit unions?
LANAI scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.97% vs 1.15%). Its widest shortfall is loan-to-share ratio (16.23% vs 59.80%).
How can I join LANAI?
LANAI 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 LANAI directly for the exact boundaries and application steps.
Is my money safe at LANAI?
LANAI 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. LANAI's net worth ratio of 11.65% 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.