LANCO
Charter #16657 · Lancaster, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.24% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.32% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.57% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.07% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | LANCO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $126.47M | 18th pct | 20th pct |
| Members | 9,983 | 32th pct | 46th pct |
| Net worth ratio | 10.74% | 39th pct | 46th pct |
| Return on average assets | 1.24% | 80th pct | 82th pct |
| Net interest margin | 4.32% | 85th pct | 87th pct |
| Cost of funds | 0.57% | 22th pct | 23th pct |
| Loan-to-share | 77.88% | 62th pct | 59th pct |
| Delinquency 60+ days | 0.49% | 41th pct | 36th pct |
| Net charge-off ratio | 0.07% | 14th pct | 13th pct |
| Loan growth YoY | 0.25% | 51th pct | 44th pct |
| Share growth YoY | 1.02% | 17th pct | 18th pct |
| Efficiency ratio | 76.82% | 43th pct | 34th pct |
structural peer set hash: 0182bac730fabac798ef74b2d275266c… (reproducible)
Closest structural peers
This is the free public view
Claim LANCO
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.