TellerScore

Lanco Federal Credit Union is a federal credit union headquartered in Lancaster, Pennsylvania, in business for about 61 years. At the end of Q2 2026 it reported $124.6M in total assets and $110.1M in member shares and deposits, with 4 offices.

Lanco Federal Credit Union has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than 54% of its 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 170th. Problem-loan coverage contributes the most (89/100, 5.4%); capital cushion contributes the least (62/100, 11.19%).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Net worth ratio: 11.19%
Loan quality72/100
Loans 60+ days delinquent ÷ total loans: 0.85%
Earnings68/100
Return on assets (annualized): 1.19%
Funding & liquidity80/100
Loans ÷ shares: 80.5% · 5.2% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.38%

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 17 points (54 → 71), mostly because the loan quality component improved by 35 points.

TellerScore
546474Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202468
Q4 202466
Q1 202568
Q2 202554
Q3 202557
Q4 202566
Q1 202674
Q2 202671
Net worth ratio
7.00%9.10%11.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.55%
Q3 20249.92%
Q4 20249.73%
Q1 20259.80%
Q2 202510.09%
Q3 202510.61%
Q4 202510.69%
Q1 202610.74%
Q2 202611.19%
Delinquent loans (60+ days)
0.43%1.16%1.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.43%
Q3 20240.68%
Q4 20240.74%
Q1 20250.61%
Q2 20251.90%
Q3 20251.85%
Q4 20250.85%
Q1 20260.49%
Q2 20260.85%
Return on assets
0.70%0.96%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.14%
Q3 20241.04%
Q4 20240.98%
Q1 20250.88%
Q2 20250.70%
Q3 20250.79%
Q4 20250.75%
Q1 20261.22%
Q2 20261.19%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$124.6M11.19%0.85%1.19%80.5%
Q1 202674$126.5M10.74%0.49%1.22%77.9%
Q4 202566$123.5M10.69%0.85%0.75%80.7%
Q3 202557$124.4M10.61%1.85%0.79%78.5%
Q2 202554$127.9M10.09%1.90%0.70%74.8%
Q1 202568$130.0M9.80%0.61%0.88%72.8%
Q4 202466$128.1M9.73%0.74%0.98%74.8%
Q3 202468$124.7M9.92%0.68%1.04%77.2%
Q2 202471$127.0M9.55%0.43%1.14%75.5%

1,341 peers · $100 million – $1 billion

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 ratio11.19%
47th
Problem loans0.85%
39th
Net charge-offs0.13%
81st
Return on assets1.19%
77th
Loans to deposits80.5%
39th
Uninsured deposits5.2%
57th
Loan-loss reserves0.00%
50th
Texas ratio5.4%
36th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Ingersoll-Rand Federal Credit UnionCredit union Sayre, PA62 out of 100, Moderate$124.3M13.5%1.54%vs
Hershey Federal Credit UnionCredit union Hummelstown, PA61 out of 100, Moderate$125.8M9.5%0.58%vs
Guthrie Community Federal Credit UnionCredit union Sayre, PA72 out of 100, Strong$122.7M10.9%0.31%vs
Allentown Federal Credit UnionCredit union Allentown, PA86 out of 100, Very strong$127.7M16.5%0.76%vs
United Community Federal Credit UnionCredit union West Mifflin, PA90 out of 100, Very strong$129.1M13.3%0.06%vs
Tri Boro Federal Credit UnionCredit union Munhall, PA76 out of 100, Strong$130.6M14.5%0.94%vs

Deposit insurance

Is my money safe at Lanco Federal Credit Union?

Yes. Lanco Federal Credit Union is a federally insured credit union (NCUA charter #16657). 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 5.2% of shares and deposits ($5.8M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.19%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Lanco Federal Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Lanco Federal Credit Union reported 75 home-loan applications under HMDA (LEI 549300FK7ZHTO2G1RM11): 56 originated ($5,630,000 total), 14 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 19.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Lanco Federal Credit Union
Type
Federal credit union
NCUA charter #
16657
RSSD ID
959685
Primary regulator
NCUA
Established
1965
Headquarters
349 W Roseville Rd, Lancaster, PA 17601
Employees
35

Quick answers

Lanco Federal Credit Union: common questions

Is Lanco Federal Credit Union NCUA insured?

Yes. Lanco Federal Credit Union is a federally insured credit union (NCUA charter #16657). 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 Lanco Federal Credit Union's TellerScore?

71 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.

How many branches does Lanco Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Lancaster

InstitutionScoreAssetsCapitalProblem loansCompare
Lancaster Red Rose Credit UnionCredit union Leola, PA92 out of 100, Very strong$54.8M14.9%0.61%vs
Glatco Credit UnionCredit union Spring Grove, PA90 out of 100, Very strong$54.1M16.2%0.79%vs
Members 1st Federal Credit UnionCredit union Enola, PA88 out of 100, Very strong$8.7B15.1%0.73%vs
Pagoda Federal Credit UnionCredit union Reading, PA87 out of 100, Very strong$32.6M12.0%0.31%vs
First Capital Federal Credit UnionCredit union York, PA81 out of 100, Strong$368.5M11.9%0.20%vs
Pennsylvania State Employees Credit UnionCredit union Harrisburg, PA80 out of 100, Strong$9.7B11.8%0.75%vs