Lake Trust

Brighton, MI · 2 · Charter #62047 · www.laketrust.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$2.8B
65th percentile
Members
179,409
71th percentile
Total loans
$2.1B
66th percentile
Total shares
$2.5B
67th percentile

Profitability

Return on assets
1.06%
54th percentile
Net interest margin
3.47%
66th percentile
Efficiency ratio
59.73%
18th percentile
Non-interest income ratio
18.28%
48th percentile

Capital & Risk

Net worth ratio
10.85%
52th percentile
Delinquency rate
1.17%
19th percentile
Net charge-off rate
0.58%
40th percentile
Loan-to-share
86.99%
44th percentile

Growth

Member growth YoY
-0.43%
22th percentile
Asset growth YoY
5.58%
51th percentile
Loan growth YoY
7.35%
64th percentile
Share growth YoY
7.52%
68th percentile

Operations

Members / branch
7,176
44th percentile
Assets / member
$15,537
26th percentile
Field of membership penetration
2.27%
22th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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