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.
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NCUA 5300 Call Report Masthead
#1,348 of 4,374 health · 2025Q4LANIER · health 89/100 · $70.6M · 2025Q4
Call Report peers
LANIER in the assets neighbourhood
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LANIER vs every NCUA-scored credit union
LANIER sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Georgia, Peach State (#26) ties at 89/100; one place down, FLINT (#28) scores 87/100, 2 points lower.
Quarter path for LANIER
LANIER: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.0% from $70.6M (2025Q4) to $74.1M (2026Q1).
- Net-worth ratio shifted -1.01 pp (9.79% → 8.78%).
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
LANIER gives up 11 points in total. Net Worth Ratio costs the most, 3.1 of its 30; Delinquency Rate loses the least, 1.2.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is LANIER financially healthy?
LANIER has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,348 of 4,374 nationally on health and #27 of 74 in Georgia. Its net worth ratio is 8.78% and its delinquency rate 0.62%.
How does LANIER compare to other credit unions?
LANIER scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (95.24% vs 62.60%). Its widest shortfall is net worth ratio (8.78% vs 13.62%).
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?
LANIER 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. LANIER's net worth ratio of 8.78% 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.