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
- DELQ 85/100
- ROA 11.7%
- ASSETS 0.97%
- MEM 0.43%
- RANK $36.4M
- PHOTO 2,041
- BOOK #1,981/4,374
- CHARTER Town of Cheektowaga
- NCUSIF 2953
Call Report peers
LANAI in the assets neighbourhood
LANAI's $36.4M assets sit next to Town of Cheektowaga ($36.4M) 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.
LANAI 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
85 Top 46% higher than 54% 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
LANAI - Share Insurance Coverage
Charter #2953's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for HI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
LANAI: 2025Q4 → 2026Q1
LANAI: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.6% from $36.4M (2025Q4) to $37.7M (2026Q1).
- Net-worth ratio shifted -0.10 pp (11.75% → 11.65%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for LANAI, both outside Hawaii 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 ($36.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Hawaii credit unions compare overall before assuming this one is typical. Hawaii 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 LANAI financially healthy?
A 11.65% net worth ratio and a 0.97% delinquency rate feed into LANAI's financial health score of 85/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,981 of 4,374; by total assets it ranks #2,692 of 4,374 nationally (same basis as /rankings/largest); and #35 of 45 within Hawaii. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does LANAI compare to other credit unions?
PlainCU's health composite puts LANAI at 85/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like LANAI 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. LANAI's net worth ratio of 11.65% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does LANAI offer compared to banks?
Credit unions like LANAI 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 LANAI 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.