LAN-FAIR
Charter #17327 · LANCASTER, OH · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.88% sits at the 23rd percentile of structural peers — worth a closer look.
- Return on average assets of 0.27% sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 1.75% sits at the 13th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.01% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 87.48% sits at the 75th percentile of structural peers — worth a closer look.
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 | LAN-FAIR | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $72.87M | 53th pct | 57th pct |
| Members | 3,958 | 27th pct | 57th pct |
| Net worth ratio | 9.88% | 19th pct | 23th pct |
| Return on average assets | 0.27% | 26th pct | 21th pct |
| Net interest margin | 1.75% | 1th pct | 13th pct |
| Cost of funds | 1.37% | 74th pct | 62th pct |
| Loan-to-share | 25.93% | 3th pct | 16th pct |
| Delinquency 60+ days | 0.01% | 2th pct | 20th pct |
| Net charge-off ratio | 0.04% | 24th pct | 54th pct |
| Loan growth YoY | 1.54% | 75th pct | 77th pct |
| Share growth YoY | 0.36% | 21th pct | 28th pct |
| Efficiency ratio | 87.48% | 73th pct | 75th pct |
structural peer set hash: de28d7653130796718738cff275000aa… (reproducible)
Closest structural peers
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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.