LANAI
Charter #2953 | HI
<100M
(2596 CUs)
Micro
($0-$500M)
21 <100M in HI
LANAI has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.08% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 3.9% in tier
- + Member Growth Rate: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Loan-to-Share Ratio: Bottom 3.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,032
+4.5% YoY+2.1% QoQ
|
-593 |
2,625
-2.2% YoY
|
19,538
+4.7% YoY
|
33,089
+6.1% YoY
|
52nd in tier |
| Assets |
$36.1M
+2.0% YoY+0.2% QoQ
|
+$6.2M |
$29.9M
+1.1% YoY
|
$371.1M
+11.7% YoY
|
$547.7M
+7.8% YoY
|
66th in tier |
| Loans |
$4.9M
+18.5% YoY+8.3% QoQ
|
$-10.9M |
$15.8M
-2.4% YoY
|
$190.1M
+8.2% YoY
|
$388.7M
+8.6% YoY
|
33rd in tier |
| Deposits |
$31.8M
+1.5% YoY-0.2% QoQ
|
+$6.4M |
$25.5M
+0.4% YoY
|
$328.7M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
67th in tier |
| ROA |
0.8%
+83.2% YoY+38.9% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.8%
+109.8% YoY
|
0.7%
+273.4% YoY
|
50th in tier |
| NIM |
2.8%
+20.6% YoY+4.0% QoQ
|
-1.2% |
3.9%
+3.8% YoY
|
3.1%
+10.9% YoY
|
3.7%
+5.0% YoY
|
Bottom 11.9% in tier |
| Efficiency Ratio |
69.7%
-6.5% YoY-7.6% QoQ
|
-11.7% |
81.4%
-2.4% YoY
|
73.4%
-6.7% YoY
|
79.1%
-3.3% YoY
|
31st in tier |
| Delinquency Rate |
0.5%
-18.1% YoY+29.2% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.2%
-0.3% YoY
|
1.2%
-0.9% YoY
|
42nd in tier |
| Loan To Share |
15.3%
+16.8% YoY+8.5% QoQ
|
-45.9% |
61.2%
-3.0% YoY
|
55.2%
-1.0% YoY
|
68.0%
-1.7% YoY
|
Bottom 2.9% in tier |
| AMR |
$18,055
-1.0% YoY-1.2% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$22,988
+5.6% YoY
|
$19,418
+1.3% YoY
|
72nd in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
23.5%
+10.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.1%
-6.8% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
101
Loan Growth Rate
growth
Value:
18.50%
Peer Avg: 59.01%
#101 of 2596
Top 3.9% in <100M tier
198
Member Growth Rate
growth
Value:
4.47%
Peer Avg: 14.92%
#198 of 2596
Top 7.6% in <100M tier
367
Members Per Employee (MPE)
engagement
Value:
508.000
Peer Avg: 365.701
#367 of 2596
Top 14.1% in <100M tier
Top Weaknesses (4 metrics)
2516
Loan-to-Share Ratio
balance_sheet
Value:
15.32%
Peer Avg: 61.23%
#2516 of 2596
Bottom 3.1% in <100M tier
2287
Net Interest Margin (NIM)
profitability
Value:
2.76%
Peer Avg: 3.93%
#2287 of 2596
Bottom 11.9% in <100M tier
2154
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,398
Peer Avg: $5,488
#2154 of 2596
Bottom 17.1% in <100M tier
1969
Fee Income Per Member
profitability
Value:
$16.19
Peer Avg: $182.96
#1969 of 2596
Bottom 24.2% in <100M tier