credit union · NCUA 62047 · MI
How big is LAKE TRUST?
LAKE TRUST (MI, NCUA charter 62047) reported total assets of $2.9B, 175,187 members and a net worth ratio of 10.84% in its Call Report for 2026Q2. That ranks 176 of 4,299 federally insured credit unions by assets, 151 of 454 among credit unions with $1b-$10b in assets, 9 of 169 credit unions in michigan.
What stands out
LAKE TRUST (MI, NCUA charter 62047) reported total assets of $2.9B, 175,187 members and a net worth ratio of 10.84% in its Call Report for 2026Q2. That ranks 176 of 4,299 federally insured credit unions by assets, 151 of 454 among credit unions with $1b-$10b in assets, 9 of 169 credit unions in michigan. Against its size class: net worth ratio 10.84%, below the peer median of 10.89%; loan-to-share ratio 86.58%, below the peer median of 88.03%; return on assets 0.70%, below the peer median of 0.80%. At 10.84% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $2.9B | $2.1B | $186.5M | $68.3M | record → |
| Shares and deposits | $2.5B | $1.8B | $160.8M | $58.3M | record → |
| Loans outstanding | $2.2B | $1.5B | $115.9M | $34.4M | record → |
| Net income (year to date) | $10.0M | $8.3M | $792.8k | $222.2k | record → |
| Net worth | $312.6M | $244.6M | $22.8M | $9.0M | record → |
| Net worth ratio | 10.84% | 10.89% | 12.03% | 12.65% | record → |
| Loan-to-share ratio | 86.58% | 88.03% | 68.71% | 68.70% | computed |
| Return on assets | 0.70% | 0.80% | 0.92% | 0.71% | computed |
| Members | 175,187 | 115,183 | 13,435 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $2.9B | $2.5B | $2.2B | $10.0M | 10.84% | 175,187 | 176 |
| 2026Q1 | $2.9B | $2.5B | $2.1B | $3.9M | 10.66% | 180,917 | 174 |
| 2025Q4 | $2.8B | $2.5B | $2.1B | $16.0M | 10.85% | 179,409 | 176 |
| 2025Q3 | $2.7B | $2.4B | $2.1B | $12.1M | 11.06% | 177,907 | 181 |
| 2025Q2 | $2.7B | $2.4B | $2.1B | $7.6M | 10.84% | 175,638 | 173 |
| 2025Q1 | $2.7B | $2.4B | $2.0B | $3.3M | 10.83% | 181,557 | 173 |
| 2024Q4 | $2.6B | $2.3B | $2.0B | $11.3M | 10.88% | 180,188 | 173 |
| 2024Q3 | $2.6B | $2.3B | $2.0B | $9.0M | 10.82% | 178,606 | 175 |
| 2024Q2 | $2.7B | $2.3B | $1.9B | $6.3M | 10.62% | 177,077 | 170 |
| 2024Q1 | $2.7B | $2.3B | $1.9B | $2.3M | 10.46% | 181,214 | 172 |
| 2023Q4 | $2.6B | $2.3B | $1.9B | $10.1M | 10.65% | 179,751 | 172 |
| 2023Q3 | $2.6B | $2.3B | $1.9B | $9.6M | 10.73% | 178,341 | 174 |
| 2023Q2 | $2.6B | $2.3B | $1.9B | $7.6M | 10.61% | 177,421 | 172 |
| 2023Q1 | $2.6B | $2.3B | $1.9B | $3.3M | 10.29% | 182,765 | 169 |
| 2022Q4 | $2.6B | $2.3B | $1.9B | $12.5M | 10.35% | 181,949 | 161 |
| 2022Q3 | $2.6B | $2.3B | $1.9B | $9.1M | 10.20% | 180,718 | 162 |
| 2022Q2 | $2.6B | $2.3B | $1.8B | $5.2M | 9.24% | 178,571 | 160 |
| 2022Q1 | $2.6B | $2.3B | $1.7B | $2.5M | 9.11% | 178,984 | 159 |
| 2021Q4 | $2.5B | $2.3B | $1.7B | $17.8M | 9.25% | 177,271 | 158 |
| 2021Q3 | $2.5B | $2.2B | $1.7B | $13.8M | 9.23% | 176,551 | 157 |
| 2021Q2 | $2.4B | $2.2B | $1.6B | $7.2M | 9.06% | 174,652 | 155 |
| 2021Q1 | $2.4B | $2.2B | $1.6B | $3.7M | 9.06% | 176,958 | 155 |
| 2020Q4 | $2.2B | $2.0B | $1.6B | $10.0M | 9.54% | 176,561 | 156 |
| 2020Q3 | $2.2B | $1.9B | $1.6B | $7.1M | 9.73% | 176,109 | 153 |
| 2020Q2 | $2.2B | $1.9B | $1.6B | $3.8M | 9.65% | 174,890 | 150 |
| 2020Q1 | $2.0B | $1.7B | $1.6B | $1.5M | 10.38% | 177,513 | 153 |
| 2019Q4 | $1.9B | $1.7B | $1.5B | $9.3M | 10.63% | 176,322 | 151 |
| 2019Q3 | $1.9B | $1.7B | $1.5B | $5.7M | 10.50% | 174,891 | 145 |
| 2019Q2 | $1.9B | $1.7B | $1.5B | $3.9M | 10.24% | 173,650 | 142 |
| 2019Q1 | $1.9B | $1.7B | $1.5B | $1.2M | 10.17% | 176,087 | 141 |
| 2018Q4 | $1.9B | $1.6B | $1.5B | $10.9M | 10.46% | 175,445 | 143 |
| 2018Q3 | $1.9B | $1.6B | $1.5B | $8.4M | 10.37% | 174,583 | 141 |
| 2018Q2 | $1.9B | $1.7B | $1.5B | $6.4M | 9.98% | 176,386 | 138 |
| 2018Q1 | $1.9B | $1.7B | $1.4B | $4.2M | 9.94% | 183,761 | 137 |
| 2017Q4 | $1.8B | $1.6B | $1.4B | $8.7M | 10.11% | 181,324 | 138 |
| 2017Q3 | $1.8B | $1.6B | $1.4B | $6.3M | 10.03% | 179,457 | 137 |
| 2017Q2 | $1.8B | $1.6B | $1.4B | $3.6M | 9.73% | 171,347 | 131 |
| 2017Q1 | $1.8B | $1.6B | $1.4B | $1.4M | 9.59% | 177,724 | 128 |
| 2016Q4 | $1.8B | $1.5B | $1.4B | $5.0M | 9.86% | 175,762 | 132 |
| 2016Q3 | $1.7B | $1.5B | $1.4B | $2.2M | 9.86% | 173,829 | 131 |
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