Institution Statistics
| LANAI | | NCUA # | 2953 | | BankRate Report | View | | Year Chartered | 1938 | | Employees | 3 | | Primary Regulator | |
Assets and Liabilities | | Assets | $24.56 million | | Loans | $630,000 | | Deposits | $21.79 million | | Equity Capital | $2.76 million | | Loan Loss Allowance | $1,000 | | Unbacked Noncurrent Loans | $8,000 |
Historic Data - December 2010 | | Assets | $23.42 million | | Equity Capital | $2.71 million | | Loan Loss Allowance | $1,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.56% | | Return on Assets | 0.21% | | Return on Equity | 1.88% | | Interest Income | $880,000 | | Non-Interest Income | $6,000 |
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Institution Health
Overall Score:
5 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Lanai Credit Union had $8,000 in non-current loans and owned real-estate with $2.76 million in equity and loan loss allowances on hand to cover it. This gives Lanai Credit Union a Texas Ratio of 0.29% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Lanai Credit Union has increased its total deposits by $1.09 million, resulting in 5.28% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Lanai Credit Union has shown is excellent. | | Capitalization |  | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Lanai Credit Union has $24.56 million in assets with $2.76 million in equity, resulting in a capitalization level of 11.24%, which is above average. |
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