Great Lakes
Bay City, MI · Charter 24874 · Peer group: credit unions under $1B in assets (n=1,674-1,677)
NCUA · 3 branches
Q1 2026
$60.1MAssets
$24.9MLoans
$50.2MShares
$7.1MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 89% of credit unions under $1B in assets (rank 187 of 1675).
- Widest gap: efficiency ratio trails 93% of credit unions under $1B in assets (rank 1552 of 1674).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-0.10%
Rank 1,474 of 1,677
Net Interest Margin
3.03%
Rank 1,403 of 1,676
Efficiency Ratio
103.44%
Rank 1,552 of 1,674
Equity / Assets
11.89%
Rank 978 of 1,676
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.10% | 0.29% | 0.71% | 1.15% | Beats 12% | 1,474 / 1,677 | | |
| Return on Equity | -0.84% | 2.30% | 5.46% | 8.75% | Beats 12% | 1,477 / 1,674 | | |
| Net Interest Margin | 3.03% | 3.27% | 3.78% | 4.29% | Beats 16% | 1,403 / 1,676 | | |
| Efficiency Ratio | 103.44% | 69.04% | 78.86% | 87.73% | Beats 7% | 1,552 / 1,674 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.23% | 0.59% | 1.15% | Beats 89% | 187 / 1,675 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.89% | 10.32% | 12.68% | 16.26% | Beats 42% | 979 / 1,677 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.89% | 10.32% | 12.68% | 16.26% | Beats 42% | 978 / 1,676 | | |
| Liquidity & Funding |
| Loans / Deposits | 49.62% | 52.64% | 68.65% | 82.42% | 22nd pctl | 1,309 / 1,676 | | |
| Loans / Assets | 41.49% | 44.39% | 58.63% | 70.08% | 21st pctl | 1,325 / 1,676 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |