LANIER
Charter #19552 · Oakwood, GA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.78% sits at the 13th percentile of structural peers — worth a closer look.
- Return on average assets of -2.25% sits at the 3rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.48% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 91st percentile but its structural peers at the 56th — a 35-point gap showing why the peer definition matters.
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 | LANIER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $74.12M | 55th pct | 39th pct |
| Members | 8,822 | 91th pct | 56th pct |
| Net worth ratio | 8.78% | 9th pct | 13th pct |
| Return on average assets | -2.25% | 1th pct | 3th pct |
| Net interest margin | 4.30% | 82th pct | 57th pct |
| Cost of funds | 1.28% | 70th pct | 48th pct |
| Loan-to-share | 89.57% | 95th pct | 87th pct |
| Delinquency 60+ days | 0.48% | 41th pct | 25th pct |
| Net charge-off ratio | 1.10% | 90th pct | 74th pct |
| Loan growth YoY | 4.60% | 91th pct | 84th pct |
| Share growth YoY | 6.84% | 86th pct | 80th pct |
| Efficiency ratio | 83.08% | 60th pct | 66th pct |
structural peer set hash: 74a2d8963f94fa8bf4c9d51218b3430b… (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.