Lake Huron

Saginaw, MI · 2 · Charter #61638 · www.lhcu.org
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
$80.4M
31th percentile
Members
6,271
37th percentile
Total loans
$60.9M
52th percentile
Total shares
$63.9M
27th percentile

Profitability

Return on assets
1.05%
50th percentile
Net interest margin
4.99%
95th percentile
Efficiency ratio
67.71%
34th percentile
Non-interest income ratio
18.40%
56th percentile

Capital & Risk

Net worth ratio
14.54%
74th percentile
Delinquency rate
1.17%
26th percentile
Net charge-off rate
0.50%
33th percentile
Loan-to-share
95.21%
92th percentile

Growth

Member growth YoY
-4.74%
13th percentile
Asset growth YoY
-2.56%
9th percentile
Loan growth YoY
5.18%
72th percentile
Share growth YoY
-3.27%
8th percentile

Operations

Members / branch
2,090
23th percentile
Assets / member
$12,823
36th percentile
Field of membership penetration
1.68%
25th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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