Lanier
Oakwood, GA · Charter 19552 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$71.6MAssets
$59.2MLoans
$64.3MShares
$6.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 75% of credit unions under $1B in assets (rank 419 of 1683).
- Widest gap: return on equity trails 96% of credit unions under $1B in assets (rank 1607 of 1681).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
-0.70%
Rank 1,590 of 1,683
Net Interest Margin
4.32%
Rank 419 of 1,683
Efficiency Ratio
83.43%
Rank 1,111 of 1,682
Equity / Assets
9.31%
Rank 1,465 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.70% | 0.35% | 0.74% | 1.18% | Beats 6% | 1,590 / 1,683 | |
| Return on Equity | -7.48% | 2.67% | 5.89% | 8.74% | Beats 4% | 1,607 / 1,681 | |
| Net Interest Margin | 4.32% | 3.31% | 3.82% | 4.32% | Beats 75% | 419 / 1,683 | |
| Efficiency Ratio | 83.43% | 68.91% | 78.20% | 86.93% | Beats 34% | 1,111 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.53% | 0.26% | 0.65% | 1.29% | Beats 58% | 715 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.31% | 10.44% | 12.89% | 16.53% | Beats 13% | 1,465 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.31% | 10.44% | 12.89% | 16.53% | Beats 13% | 1,465 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 91.99% | 52.61% | 69.38% | 83.50% | 90th pctl | 175 / 1,683 | |
| Loans / Assets | 82.65% | 44.71% | 59.18% | 70.72% | 95th pctl | 84 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |