Lake Superior

ONTONAGON, MI · 2 · Charter #65085 · www.lscu.virtualcu.net
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
$10.7M
43th percentile
Members
1,336
47th percentile
Total loans
$5.6M
47th percentile
Total shares
$9.2M
45th percentile

Profitability

Return on assets
2.39%
95th percentile
Net interest margin
4.75%
77th percentile
Efficiency ratio
55.06%
75th percentile
Non-interest income ratio
12.94%
63th percentile

Capital & Risk

Net worth ratio
13.83%
43th percentile
Delinquency rate
0.66%
52th percentile
Net charge-off rate
0.22%
50th percentile
Loan-to-share
60.45%
50th percentile

Growth

Member growth YoY
2.14%
85th percentile
Asset growth YoY
5.26%
75th percentile
Loan growth YoY
9.90%
89th percentile
Share growth YoY
3.17%
65th percentile

Operations

Members / branch
1,336
59th percentile
Assets / member
$7,988
39th percentile
Field of membership penetration
44.53%
60th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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