LAKES
Charter #10772 · Monticello, IN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of -0.17% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 59.43% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 65th percentile but its structural peers at the 34th — a 31-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | LAKES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $27.55M | 55th pct | 51th pct |
| Members | 3,014 | 76th pct | 49th pct |
| Net worth ratio | 15.01% | 60th pct | 66th pct |
| Return on average assets | 0.52% | 42th pct | 28th pct |
| Net interest margin | 4.14% | 64th pct | 34th pct |
| Cost of funds | 0.89% | 53th pct | 34th pct |
| Loan-to-share | 66.75% | 65th pct | 34th pct |
| Delinquency 60+ days | 0.82% | 61th pct | 57th pct |
| Net charge-off ratio | -0.17% | 6th pct | 10th pct |
| Loan growth YoY | -2.48% | 50th pct | 33th pct |
| Share growth YoY | 8.12% | 91th pct | 79th pct |
| Efficiency ratio | 59.43% | 11th pct | 10th pct |
structural peer set hash: 7b53bba79c592b0a2105fc094b9310e4… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.