TellerScore

Lanier Federal Credit Union (NCUA charter #19552) is based in Oakwood, Georgia. Its Q2 2026 call report shows $71.6M in total assets and $64.3M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, Lanier Federal Credit Union scores 53/100, which we describe as below average. That is higher than only 12% of 2,479 credit unions with under $100 million in assets. Among 71 credit unions headquartered in Georgia, it ranks 64th. Its strongest component is problem-loan coverage (90/100; 5.2%), and its lowest is earnings (0/100; -0.70%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Net worth ratio: 9.31%
Loan quality82/100
Loans 60+ days delinquent ÷ total loans: 0.53%
Earnings0/100
Return on assets (annualized): -0.70%
Funding & liquidity68/100
Loans ÷ shares: 92.0% · 1.4% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.23%

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 fell 14 points (67 → 53), mostly because the earnings component weakened by 57 points.

TellerScore
526067Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202455
Q3 202460
Q4 202453
Q1 202561
Q2 202567
Q3 202567
Q4 202563
Q1 202652
Q2 202653
Net worth ratio
7.00%8.39%9.79%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20249.02%
Q3 20248.99%
Q4 20249.36%
Q1 20259.21%
Q2 20259.59%
Q3 20259.66%
Q4 20259.79%
Q1 20268.78%
Q2 20269.31%
Delinquent loans (60+ days)
0.28%0.76%1.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.70%
Q3 20240.40%
Q4 20241.23%
Q1 20250.31%
Q2 20250.28%
Q3 20250.34%
Q4 20250.62%
Q1 20260.48%
Q2 20260.53%
Return on assets
-2.19%-0.64%0.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.14%
Q3 20240.34%
Q4 20240.37%
Q1 20250.28%
Q2 20250.92%
Q3 20250.90%
Q4 20250.85%
Q1 2026-2.19%
Q2 2026-0.70%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202653$71.6M9.31%0.53%-0.70%92.0%
Q1 202652$74.1M8.78%0.48%-2.19%89.6%
Q4 202563$70.6M9.79%0.62%0.85%95.2%
Q3 202567$70.3M9.66%0.34%0.90%91.5%
Q2 202567$69.1M9.59%0.28%0.92%92.8%
Q1 202561$69.7M9.21%0.31%0.28%91.2%
Q4 202453$67.4M9.36%1.23%0.37%90.0%
Q3 202460$69.2M8.99%0.40%0.34%84.5%
Q2 202455$67.5M9.02%0.70%0.14%87.9%

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 ratio9.31%
11th
Problem loans0.53%
57th
Net charge-offs0.67%
21st
Return on assets-0.70%
9th
Loans to deposits92.0%
7th
Uninsured deposits1.4%
50th
Loan-loss reserves0.00%
37th
Texas ratio5.2%
28th

Similar-size credit unions in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Altamaha Federal Credit UnionCredit union Jesup, GA83 out of 100, Strong$74.1M14.1%0.22%vs
Credit Union of AtlantaCredit union Atlanta, GA58 out of 100, Moderate$79.1M14.1%1.92%vs
Savannah Schools Federal Credit UnionCredit union Savannah, GA61 out of 100, Moderate$45.4M11.3%1.29%vs
On the Grid Financial Federal Credit UnionCredit union Atlanta, GA77 out of 100, Strong$45.3M13.9%0.37%vs
B.O.N.D. Community Federal Credit UnionCredit union Atlanta, GA33 out of 100, Low$44.1M10.9%3.63%vs
H E a Federal Credit UnionCredit union Warner Robins, GA73 out of 100, Strong$42.9M13.5%2.17%vs

Deposit insurance

Is my money safe at Lanier Federal Credit Union?

Yes. Lanier Federal Credit Union is a federally insured credit union (NCUA charter #19552). 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 1.4% of shares and deposits ($888K) 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 9.31%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Lanier Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Lanier Federal Credit Union
Type
Federal credit union
NCUA charter #
19552
RSSD ID
298786
Primary regulator
NCUA
Established
1969
Headquarters
3718 Mundy Mill Rd, Oakwood, GA 30566
Employees
22

Quick answers

Lanier Federal Credit Union: common questions

Is Lanier Federal Credit Union NCUA insured?

Yes. Lanier Federal Credit Union is a federally insured credit union (NCUA charter #19552). 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 Lanier Federal Credit Union's TellerScore?

53 out of 100 (Below average), 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 Lanier Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Oakwood

InstitutionScoreAssetsCapitalProblem loansCompare
Northeast Georgia BankBank Lavonia, GA93 out of 100, Very strong$650.6M13.4%0.01%vs
Knox County Teachers Federal Credit UnionCredit union Knoxville, TN93 out of 100, Very strong$34.4M15.5%0.01%vs
Northside Federal Credit UnionCredit union Atlanta, GA88 out of 100, Very strong$20.8M18.9%0.54%vs
First American Bank and Trust CompanyBank Athens, GA86 out of 100, Very strong$901.9M13.3%0.00%vs
Happy Valley Credit UnionCredit union Elizabethton, TN86 out of 100, Very strong$36.9M18.3%0.82%vs
The Citizens Bank of GeorgiaBank Cumming, GA85 out of 100, Very strong$598.5M11.5%0.00%vs