Lake Huron
Saginaw, MI · Charter 61638 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$81.5MAssets
$63.3MLoans
$66.9MShares
$12.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 92% of credit unions under $1B in assets (rank 137 of 1683).
- Widest gap: nonperforming loans / loans trails 74% of credit unions under $1B in assets (rank 1248 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
0.92%
Rank 660 of 1,683
Net Interest Margin
5.04%
Rank 137 of 1,683
Efficiency Ratio
77.04%
Rank 781 of 1,682
Equity / Assets
14.80%
Rank 572 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.92% | 0.35% | 0.74% | 1.18% | Beats 61% | 660 / 1,683 | |
| Return on Equity | 6.20% | 2.67% | 5.89% | 8.74% | Beats 53% | 784 / 1,681 | |
| Net Interest Margin | 5.04% | 3.31% | 3.82% | 4.32% | Beats 92% | 137 / 1,683 | |
| Efficiency Ratio | 77.04% | 68.91% | 78.20% | 86.93% | Beats 54% | 781 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.25% | 0.26% | 0.65% | 1.29% | Beats 26% | 1,248 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.80% | 10.44% | 12.89% | 16.53% | Beats 66% | 572 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.80% | 10.44% | 12.89% | 16.53% | Beats 66% | 572 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 94.61% | 52.61% | 69.38% | 83.50% | 93rd pctl | 119 / 1,683 | |
| Loans / Assets | 77.60% | 44.71% | 59.18% | 70.72% | 88th pctl | 203 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |