Lake Superior
Ontonagon, MI · Charter 65085 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 1 branch
Q2 2026
$11.2MAssets
$5.9MLoans
$9.5MShares
$1.6MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 95% of credit unions under $1B in assets in MI (rank 3 of 56).
- Widest gap: equity / assets trails 25% of credit unions under $1B in assets in MI (rank 14 of 56).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
2.19%
Rank 3 of 56
Net Interest Margin
4.44%
Rank 11 of 56
Efficiency Ratio
57.64%
Rank 5 of 56
Equity / Assets
14.32%
Rank 14 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.19% | 0.74% | 1.15% | 1.47% | Beats 95% | 3 / 56 | |
| Return on Equity | 15.27% | 6.40% | 9.29% | 11.51% | Beats 95% | 3 / 56 | |
| Net Interest Margin | 4.44% | 3.40% | 3.92% | 4.36% | Beats 80% | 11 / 56 | |
| Efficiency Ratio | 57.64% | 65.99% | 72.16% | 78.25% | Beats 93% | 5 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.17% | 0.49% | 0.84% | 1.28% | Beats 95% | 4 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.32% | 10.20% | 12.14% | 14.32% | Beats 75% | 14 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.32% | 10.20% | 12.14% | 14.32% | Beats 75% | 14 / 56 | |
| Liquidity & Funding |
| Loans / Deposits | 61.90% | 52.28% | 65.96% | 76.17% | 39th pctl | 34 / 56 | |
| Loans / Assets | 52.93% | 45.34% | 56.55% | 67.04% | 36th pctl | 36 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |