TellerScore

Headquartered in Lanai City, Hawaii, Lanai Federal Credit Union is a federal credit union with $38.2M in total assets and $33.6M in member shares and deposits as of Q2 2026. Its charter dates back to 1938.

Lanai Federal Credit Union has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 59% of its 2,479 credit unions with under $100 million in assets. Among 45 credit unions headquartered in Hawaii, it ranks 19th. Funding & liquidity contributes the most (100/100, 17% loans-to-deposits, 0% uninsured); capital cushion contributes the least (69/100, 11.89%).

TellerScore · Q2 2026

Scorecard

Capital cushion69/100
Net worth ratio: 11.89%
Loan quality71/100
Loans 60+ days delinquent ÷ total loans: 0.88%
Earnings75/100
Return on assets (annualized): 1.37%
Funding & liquidity100/100
Loans ÷ shares: 16.9% · 0.0% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.10%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (74 → 78), mostly because the earnings component improved by 33 points.

TellerScore
697478Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202471
Q4 202469
Q1 202574
Q2 202574
Q3 202576
Q4 202572
Q1 202678
Q2 202678
Net worth ratio
7.00%9.45%11.89%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.18%
Q3 202411.15%
Q4 202411.26%
Q1 202511.35%
Q2 202511.36%
Q3 202511.63%
Q4 202511.75%
Q1 202611.65%
Q2 202611.89%
Delinquent loans (60+ days)
0.39%0.68%0.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.87%
Q3 20240.61%
Q4 20240.86%
Q1 20250.47%
Q2 20250.39%
Q3 20250.50%
Q4 20250.97%
Q1 20260.71%
Q2 20260.88%
Return on assets
0.42%0.89%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.45%
Q3 20240.42%
Q4 20240.44%
Q1 20250.59%
Q2 20250.55%
Q3 20250.76%
Q4 20250.79%
Q1 20261.23%
Q2 20261.37%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$38.2M11.89%0.88%1.37%16.9%
Q1 202678$37.7M11.65%0.71%1.23%16.1%
Q4 202572$36.4M11.75%0.97%0.79%16.2%
Q3 202576$36.1M11.63%0.50%0.76%15.3%
Q2 202574$36.0M11.36%0.39%0.55%14.1%
Q1 202574$35.6M11.35%0.47%0.59%14.1%
Q4 202469$35.5M11.26%0.86%0.44%13.7%
Q3 202471$35.4M11.15%0.61%0.42%13.1%
Q2 202469$35.0M11.18%0.87%0.45%12.1%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.89%
31st
Problem loans0.88%
43rd
Net charge-offs0.16%
51st
Return on assets1.37%
82nd
Loans to deposits16.9%
96th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio1.1%
64th

Similar-size credit unions in Hawaii

InstitutionScoreAssetsCapitalProblem loansCompare
Molokai Community Federal Credit UnionCredit union Kaunakakai, HI68 out of 100, Moderate$38.3M18.5%4.40%vs
Maui Teachers Federal Credit UnionCredit union Wailuku, HI89 out of 100, Very strong$38.5M16.8%0.00%vs
Hawaiian Electric Employees Federal Credit UnionCredit union Honolulu, HI83 out of 100, Strong$37.1M18.4%1.02%vs
Hotel and Travel Industry Federal Credit UnionCredit union Honolulu, HI61 out of 100, Moderate$40.0M8.9%0.81%vs
Signia Federal Credit UnionCredit union Wahiawa, HI63 out of 100, Moderate$34.0M17.2%2.28%vs
Helco Federal Credit UnionCredit union Hilo, HI84 out of 100, Strong$46.5M18.8%0.14%vs

Deposit insurance

Is my money safe at Lanai Federal Credit Union?

Yes. Lanai Federal Credit Union is a federally insured credit union (NCUA charter #2953). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 11.89%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Lanai Federal Credit Union
Type
Federal credit union
NCUA charter #
2953
RSSD ID
913276
Primary regulator
NCUA
Established
1938
Headquarters
PO Box 631377, Lanai City, HI 96763
Employees
4

Quick answers

Lanai Federal Credit Union: common questions

Is Lanai Federal Credit Union NCUA insured?

Yes. Lanai Federal Credit Union is a federally insured credit union (NCUA charter #2953). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Lanai Federal Credit Union's TellerScore?

78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.