Great Lakes First
Escanaba, MI · Charter 6102 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 2 branches
Q2 2026
$105.4MAssets
$42.3MLoans
$96.2MShares
$10.9MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 34% of credit unions under $1B in assets in MI (rank 37 of 56).
- Widest gap: efficiency ratio trails 80% of credit unions under $1B in assets in MI (rank 46 of 56).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.77%
Rank 40 of 56
Net Interest Margin
3.61%
Rank 37 of 56
Efficiency Ratio
80.33%
Rank 46 of 56
Equity / Assets
10.32%
Rank 40 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.77% | 0.74% | 1.15% | 1.47% | Beats 29% | 40 / 56 | |
| Return on Equity | 7.49% | 6.40% | 9.29% | 11.51% | Beats 34% | 37 / 56 | |
| Net Interest Margin | 3.61% | 3.40% | 3.92% | 4.36% | Beats 34% | 37 / 56 | |
| Efficiency Ratio | 80.33% | 65.99% | 72.16% | 78.25% | Beats 20% | 46 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.15% | 0.49% | 0.84% | 1.28% | Beats 27% | 42 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.32% | 10.20% | 12.14% | 14.32% | Beats 29% | 40 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.32% | 10.20% | 12.14% | 14.32% | Beats 29% | 40 / 56 | |
| Liquidity & Funding |
| Loans / Deposits | 44.00% | 52.28% | 65.96% | 76.17% | 11th pctl | 50 / 56 | |
| Loans / Assets | 40.16% | 45.34% | 56.55% | 67.04% | 13th pctl | 49 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |