Federal credit union · Oakwood, Georgia · NCUA charter #19552
LANIER
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $70.6M
- Total assets
- 8,746
- Members
- 8.8%
- Net-worth ratio
LANIER scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $70.6M; members 8,746; net-worth ratio 8.78%; health rank #1,348 of 4,374; healthier than 69th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,348 of 4,374 health · 2025Q4LANIER · health 89/100 · $70.6M · 2025Q4
- RANK 89/100
- PHOTO 8.8%
- BOOK 0.62%
- CHARTER 0.35%
- NCUSIF $70.6M
- CAMELS 8,746
- HEALTH #1,348/4,374
- NW Millstream Area
- DELQ 19552
Call Report peers
LANIER in the assets neighbourhood
LANIER's $70.6M assets sit next to Millstream Area ($70.6M) 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.
LANIER 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
89 Top 31% higher than 69% 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
LANIER - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #19552. See our deposit-insurance coverage note.
Peer-gap read for LANIER
- Loan-to-Share Ratio leads the peer set - 95.24% here, 62.60% peer average (+32.64 pp).
- Largest lag: Net Worth Ratio at 8.78% vs peer 13.62% (-4.84 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
LANIER in Georgia
- Health composite ranks #27 of 74 among scored Georgia credit unions.
- Georgia assets place: #35 of 74.
- Membership ranks #34 of 74 among Georgia CUs with a reported count (8,746 members).
In-state ordinals use the live credit_unions table for GA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for LANIER
LANIER: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.0% from $70.6M (2025Q4) to $74.1M (2026Q1).
- Net-worth ratio shifted -1.01 pp (9.79% → 8.78%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.78% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 27.0 pts
- Delinquency Rate 23.8 pts
- Return on Assets 12.8 pts
- Member Growth 13.3 pts
- Loan-to-Share Ratio 12.1 pts
LANIER vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.78% | -4.84 pp |
| Delinquency Rate | 0.62% | -0.35 pp |
| Return on Assets | 0.35% | -0.31 pp |
| Member Growth | 3.55% | - |
| Loan-to-Share Ratio | 95.24% | +32.64 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 - LANIER
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $74.1M | - |
| 2025Q4 | $70.6M | 8,746 |
| 2024Q4 | $67.4M | 8,446 |
| 2023Q4 | $66.6M | 7,309 |
Credit Union Details
- Charter Number
- 19552
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Georgia
- City
- Oakwood
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for LANIER, spread across 3 cities.
| Office | City |
|---|---|
| LFCU Main Office - Oakwood (Main Office) | Oakwood, GA |
| Gainesville Branch | Gainesville, GA |
| Jefferson Branch | Jefferson, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
Other federally-insured credit unions in Georgia, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for LANIER, both outside Georgia 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 ($70.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- LANIER ranks #1,348 of 4,374 nationally on financial health and #27 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ALTAMAHA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ALTAMAHA
- Rates and health both vary by institution, not just by state -- see how Georgia credit unions compare overall before assuming this one is typical. Georgia 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 LANIER financially healthy?
A 8.78% net worth ratio and a 0.62% delinquency rate feed into LANIER's financial health score of 89/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,348 of 4,374; by total assets it ranks #2,130 of 4,374 nationally (same basis as /rankings/largest); and #35 of 74 within Georgia. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does LANIER compare to other credit unions?
Five weighted metrics from NCUA filings produce LANIER's 89/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 LANIER?
LANIER 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 LANIER directly for the exact boundaries and application steps.
Is my money safe at LANIER?
Federal credit unions like LANIER 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. LANIER's net worth ratio of 8.78% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does LANIER offer compared to banks?
Credit unions like LANIER 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 LANIER 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.