Lakes
Monticello, IN · Charter 10772 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$28.0MAssets
$15.5MLoans
$23.7MShares
$4.3MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 85% of credit unions under $1B in assets (rank 249 of 1682).
- Widest gap: nonperforming loans / loans trails 63% of credit unions under $1B in assets (rank 1066 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.04%
Rank 561 of 1,683
Net Interest Margin
3.99%
Rank 676 of 1,683
Efficiency Ratio
63.27%
Rank 249 of 1,682
Equity / Assets
15.19%
Rank 533 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.04% | 0.35% | 0.74% | 1.18% | Beats 67% | 561 / 1,683 | | |
| Return on Equity | 6.82% | 2.67% | 5.89% | 8.74% | Beats 59% | 688 / 1,681 | | |
| Net Interest Margin | 3.99% | 3.31% | 3.82% | 4.32% | Beats 60% | 676 / 1,683 | | |
| Efficiency Ratio | 63.27% | 68.91% | 78.20% | 86.93% | Beats 85% | 249 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.92% | 0.26% | 0.65% | 1.29% | Beats 37% | 1,066 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.19% | 10.44% | 12.89% | 16.53% | Beats 68% | 533 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.19% | 10.44% | 12.89% | 16.53% | Beats 68% | 533 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 65.46% | 52.61% | 69.38% | 83.50% | 43rd pctl | 964 / 1,683 | | |
| Loans / Assets | 55.45% | 44.71% | 59.18% | 70.72% | 43rd pctl | 967 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |