Lakeshore

Muskegon, MI · 1 · Charter #8709 · www.lakeshorefcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$44.7M
95th percentile
Members
2,613
78th percentile
Total loans
$13.7M
75th percentile
Total shares
$39.2M
97th percentile

Profitability

Return on assets
0.59%
40th percentile
Net interest margin
2.57%
10th percentile
Efficiency ratio
58.39%
69th percentile
Non-interest income ratio
17.05%
75th percentile

Capital & Risk

Net worth ratio
11.74%
28th percentile
Delinquency rate
0.70%
50th percentile
Net charge-off rate
0.25%
48th percentile
Loan-to-share
34.96%
16th percentile

Growth

Member growth YoY
2.27%
86th percentile
Asset growth YoY
6.92%
84th percentile
Loan growth YoY
-2.45%
52th percentile
Share growth YoY
7.16%
84th percentile

Operations

Members / branch
2,613
88th percentile
Assets / member
$17,108
92th percentile
Field of membership penetration
1.49%
9th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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