Credit Union Safety Analysis
Is Lan-Fair Federal Credit Union Safe? Lancaster, Ohio
Based on its Q2 2026 NCUA 5300 call report, Lan-Fair Federal Credit Union has a net worth ratio of 10.00%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.37%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Lan-Fair Federal Credit Union's net worth ratio is 10.00%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.00%
- Delinquency ratio (60+ days) (Q2 2026): 0.37%
- Return on assets (Q2 2026): 0.52%
- Loan-to-share ratio (Q2 2026): 26.93%
Lan-Fair Federal Credit Union (NCUA charter 17327, established 1966) reported $72.9M in assets and 3,927 members for Q2 2026 from Lancaster, Ohio. It ranks 90 of 191 credit unions in Ohio by total assets. Total assets grew 0.2% from $72.8M on June 30, 2025. It has 109 fewer members than on June 30, 2025 (-2.7%). Its net worth ratio was up 0.24 percentage points from 9.76% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $14.4M of $17.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.37% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 9.88% for Q1 2026; 9.76% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.01% for Q1 2026; 0.16% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.27% for Q1 2026; 0.10% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 25.93% for Q1 2026; 25.75% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $14.4M
- Other secured non-real estate loans and lines of credit: $1.1M
- Used vehicle loans: $976K
- Other unsecured loans and lines of credit: $714K
- New vehicle loans: $473K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $72.9M | 10.00% | 0.37% | 0.52% | 26.93% |
| March 31, 2026 | $72.9M | 9.88% | 0.01% | 0.27% | 25.93% |
| December 31, 2025 | $72.5M | 9.86% | — | 0.08% | 26.46% |
| September 30, 2025 | $72.7M | 9.81% | 0.02% | 0.13% | 25.62% |
| June 30, 2025 | $72.8M | 9.76% | 0.16% | 0.10% | 25.75% |
| March 31, 2025 | $71.9M | 9.85% | 0.07% | 0.01% | 26.45% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Lan-Fair Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 17327) · FFIEC NIC profile (RSSD 269085)
Frequently asked questions
Is Lan-Fair Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Lan-Fair Federal Credit Union's net worth ratio is 10.00%, above the 7% NCUA threshold for well capitalized.
Is Lan-Fair Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Lan-Fair Federal Credit Union is a federally insured credit union (NCUA charter 17327): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Lan-Fair Federal Credit Union's key safety ratios?
For Q2 2026, Lan-Fair Federal Credit Union reports net worth 10.00%, delinquency 0.37%, ROA 0.52%, loan-to-share 26.93%.
What happens to my money if Lan-Fair Federal Credit Union fails?
For Q2 2026, Lan-Fair Federal Credit Union held $65.5M in shares and deposits for 3,927 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.