Great Lakes

Bay City, MI · 1 · Charter #24874 · www.greatlakesfcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$59.8M
11th percentile
Members
4,479
18th percentile
Total loans
$26.1M
10th percentile
Total shares
$49.9M
10th percentile

Profitability

Return on assets
0.31%
10th percentile
Net interest margin
2.94%
16th percentile
Efficiency ratio
70.78%
24th percentile
Non-interest income ratio
18.02%
55th percentile

Capital & Risk

Net worth ratio
11.98%
46th percentile
Delinquency rate
0.46%
68th percentile
Net charge-off rate
0.09%
84th percentile
Loan-to-share
52.33%
23th percentile

Growth

Member growth YoY
-2.61%
28th percentile
Asset growth YoY
0.48%
23th percentile
Loan growth YoY
-5.39%
17th percentile
Share growth YoY
-1.66%
14th percentile

Operations

Members / branch
1,120
3th percentile
Assets / member
$13,341
41th percentile
Field of membership penetration
1.54%
24th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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