Lake Trust
Brighton, MI · Charter 62047 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 23 branches
Q2 2026
$2.9BAssets
$2.2BLoans
$2.5BShares
$312.6MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 70% of credit unions $1B-$10B in assets (rank 131 of 435).
- Widest gap: nonperforming loans / loans trails 75% of credit unions $1B-$10B in assets (rank 328 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.70%
Rank 274 of 435
Net Interest Margin
3.67%
Rank 131 of 435
Efficiency Ratio
73.70%
Rank 255 of 435
Equity / Assets
10.84%
Rank 219 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.70% | 0.55% | 0.81% | 1.14% | Beats 37% | 274 / 435 | |
| Return on Equity | 6.42% | 5.12% | 7.41% | 9.70% | Beats 37% | 274 / 435 | |
| Net Interest Margin | 3.67% | 3.01% | 3.39% | 3.75% | Beats 70% | 131 / 435 | |
| Efficiency Ratio | 73.70% | 65.25% | 71.39% | 77.86% | Beats 42% | 255 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.06% | 0.45% | 0.69% | 1.05% | Beats 25% | 328 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.84% | 9.81% | 10.84% | 12.63% | Beats 50% | 219 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.84% | 9.81% | 10.84% | 12.63% | Beats 50% | 219 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 86.58% | 78.33% | 88.38% | 95.61% | 45th pctl | 238 / 435 | |
| Loans / Assets | 76.45% | 67.69% | 74.58% | 80.80% | 57th pctl | 189 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |