# LAN-FAIR
LANCASTER, OH · NCUA charter 17327 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/lan-fair-17327

Who the members are: federal charter, multiple common bond, organized 1966, low-income designated. 3,958 members of 120,000 potential (3.3% of the field); checking penetration 35% (share draft accounts per 100 members); loans per 100 members 14.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $72.9M |
| Members | 3,958 (-2.6% YoY) |
| Full-time staff | 8 |
| Net worth | $7.2M |
| Net worth ratio | 9.9% (p19 of band) |
| ROA (annualized) | 0.27% (p27 of band) |
| Total delinquency | 0.01% (p2 of band) |
| Net charge-offs (annualized) | 0.04% (p24 of band) |
| Loans / shares | 26% (p3 of band) |
| Cash / assets | 21.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.74% (p2 of band) |
| Operating expense / assets | 1.90% (p5 of band) |
| Vehicles % of loans | 9% (p4 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.00% (p5 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 81% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 36% |
| Average share balance | $9,402 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 14% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $31,144 |
| Loans granted, annualized | $1.6M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | delinquency 2x band |
| 2017-03 | 1 | delinquency 2x band |  |
| 2017-06 | 1 | members leaving | delinquency 2x band |
| 2017-09 | 1 | delinquency 2x band | members leaving |
| 2017-12 | 0 |  | delinquency 2x band |
| 2018-03 | 3 | delinquency 2x band, delinquency rising, members leaving |  |
| 2018-06 | 2 |  | members leaving |
| 2018-09 | 2 | members leaving | delinquency rising |
| 2018-12 | 2 | delinquency rising | members leaving |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | delinquency rising |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 5 | losing money, margin squeeze, loan book shrinking |  |
| 2020-09 | 4 |  | loan book shrinking |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 3 |  | margin squeeze |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | net worth falling |
| 2022-06 | 2 | members leaving | delinquency 2x band |
| 2022-09 | 1 |  | losing money |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | losing money |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 | delinquency rising | losing money |
| 2023-12 | 2 |  |  |
| 2024-03 | 4 | losing money, margin squeeze |  |
| 2024-06 | 5 | net worth falling |  |
| 2024-09 | 3 |  | delinquency rising, net worth falling |
| 2024-12 | 2 |  | margin squeeze |
| 2025-03 | 2 | net worth falling | losing money |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | net worth falling |
| 2025-12 | 0 |  | members leaving |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2014-07-16 [Dustin LaVeck Obituary Jul 16, 2014 - Frank E Smith Funeral Home and Crematory](https://news.google.com/rss/articles/CBMiYkFVX3lxTE9Cak04TGFXZFJLbm04OXM4RTBBRERZTUU4WFMwR29rTXBtVjV6RjJKU3JYV1hMdDJId1BibE42MTZfQ0xzRVBQOTNIcTVKNE1LYU9YalZhLWNmbkEwUVVBVkVR?oc=5) · Frank E Smith Funeral Home and Crematory
- 2025-08-29 [Here is a photographic look at downtown Pickerington - Lancaster Eagle-Gazette](https://news.google.com/rss/articles/CBMirwFBVV95cUxPQVFHVEowUUpyTXZlYWVXWndpcmxZeElsNFRKT1NUVVcwOXNqTnNWTDdTQ2ltQWhQY3RxTDA4ZUFkZFF0TkZnWWpIWHBNSXFQYmhEX3Zpc0ZjaUdKc2hWOFlQVkVkQjlRMkpBekVIUXRHVHd0T1hMMV9iVllhdjdVdnBQMUItejZUdzZCM09qeHhlNy1kOHlGQmZuU003QS1uQVV2dG9FTUszYkJ1eGVB?oc=5) · Lancaster Eagle-Gazette
- 2021-10-06 [Dustin LaVeck Obituary (2014) - Rushville, OH - Lancaster Eagle-Gazette - legacy.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxNLTFwMmdfVWZoRWpHNzF1WUl3TERGeF9nWDBJMVQ2a1gwRGxCcUtpN2R2d2hvbE1OeXZ3bzdwU2JTd3dnb2F0UzlSTE93R1VxQmlzdXA1TDFaR2YzVW02WkE0X3laZlZBVGJSQ1VmeEdwQnk5bmladEwxQnZiSXROeHk4S2xBUXQyYlJhNDhpR05semMyUXZObUxSRDhCbzQ?oc=5) · legacy.com
- 2012-07-25 [Then and Now: Jesse Hager - The Columbus Dispatch](https://news.google.com/rss/articles/CBMipgFBVV95cUxOMGZxTGp5UW9MYWxUeURUZE0tN1dQSFB6a2VvR19tRkdIWng4cEo0VWphRThwQWJWQ0hiV2hjN0Yxb3NmTzdwNHROb2pKRHVNdW4xbUJLaUtEc2lkNFZsa1M0T0taMS1uUFlvRGdPNW81dFQtYXhBNjk4TWJSdmdLUzJVX3N1QW1LNUpIYVdGX2FMdEU2dkJycDVzVmJrYlp3bVJjaTBR?oc=5) · The Columbus Dispatch
- 2011-09-07 [Sarah Johnson Obituary (2011) - Lancaster, OH - Lancaster Eagle-Gazette - legacy.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxNOWo4c2gxcGhKbzlnX005cDFLb1c2TkxiT01lWkYzRlU1RkRiU3pKbF9rZkQ3MGJ0YzRxcXVwR0hncWt1WjZRbW9feVFBNkhqMEFubHI2YUlBNUlzVU0yWWluNkk0MDR4VmVBS3l2X1djUDVVZ2xhcVVQSXZiMnhueUgyald3bmVfZXh5bWdlanQyejZFUmUxeEc4TGJwZUk?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=17327 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/47.json (key "17327", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=17327
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide