Lakes Federal Credit Union
Total assets
$27.5M
▲ +3.6% YoY
Shares & deposits
$23.4M
▲ +1.9% YoY
Loans
$15.6M
▲ +1.5% YoY
Members
3,014
▲ +5.4% YoY
ROA (annualized)
0.50%
peers 0.60%
ROE (annualized)
3.35%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +1.3% | +2.3 pts |
| Share growth (YoY) | +1.9% | +0.7% | +1.3 pts |
| Loan growth (YoY) | +1.5% | -2.4% | +3.9 pts |
| ROA | 0.50% | 0.60% | -0.1 pts |
| ROE | 3.3% | 4.1% | -0.8 pts |
ROA ranks in the 45th percentile of its peer group · Q1 2026
Profile
- Established
- 1956
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 106 Rickey Rd, Monticello, IN, 47960
- NCUA charter #
- 10772
- RSSD ID
- 773984
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $27.5M | $23.4M | $15.6M | $4.1M | $35K | 0.50% | 4.01% | 0.82% | 3,014 |
| Q4 2025 | $25.9M | $21.8M | $15.8M | $4.0M | $535K | 2.07% | 4.50% | 0.09% | 3,020 |
| Q3 2025 | $25.5M | $21.6M | $16.0M | $3.9M | $393K | 2.05% | 4.55% | 0.60% | 3,038 |
| Q2 2025 | $26.1M | $22.3M | $15.9M | $3.7M | $268K | 2.05% | 4.51% | 0.22% | 3,064 |
| Q1 2025 | $26.6M | $22.9M | $15.4M | $3.6M | $130K | 1.95% | 4.36% | 0.33% | 2,859 |
| Q4 2024 | $25.9M | $22.3M | $15.0M | $3.5M | $832K | 3.22% | 4.35% | 1.22% | 2,878 |
| Q3 2024 | $25.5M | $22.0M | $14.4M | $3.4M | $318K | 1.66% | 4.28% | 2.02% | 3,098 |
| Q2 2024 | $25.5M | $22.1M | $13.2M | $3.2M | $179K | 1.41% | 4.12% | 1.51% | 2,902 |
Loan mix (Q1 2026): real estate $1.5M · commercial $0 · consumer $12.5M · securities $8.6M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.60% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 4.1% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.83% | 58th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.4% | 81.5% | 11th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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