LANAI
Charter #2953 · Lanai City, HI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.25% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 58.78% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 22nd percentile but its structural peers at the 52nd — a 31-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 | LANAI | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $37.71M | 78th pct | 80th pct |
| Members | 2,062 | 48th pct | 57th pct |
| Net worth ratio | 11.65% | 32th pct | 36th pct |
| Return on average assets | 1.25% | 78th pct | 77th pct |
| Net interest margin | 3.17% | 22th pct | 52th pct |
| Cost of funds | 0.47% | 31th pct | 46th pct |
| Loan-to-share | 16.12% | 1th pct | 7th pct |
| Delinquency 60+ days | 0.71% | 56th pct | 62th pct |
| Net charge-off ratio | 0.02% | 38th pct | 47th pct |
| Loan growth YoY | 9.96% | 98th pct | 97th pct |
| Share growth YoY | 4.48% | 70th pct | 72th pct |
| Efficiency ratio | 58.78% | 10th pct | 11th pct |
structural peer set hash: 10adefbb450bbbd546432b5c2f3513a5… (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.