GREAT LAKES
Charter #24874 · Bay City, MI · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.10% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 3.04% sits at the 16th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.05% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.03% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 103.46% sits at the 95th percentile of structural peers — worth a closer look.
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 | GREAT LAKES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $60.10M | 25th pct | 38th pct |
| Members | 4,437 | 37th pct | 56th pct |
| Net worth ratio | 11.89% | 40th pct | 39th pct |
| Return on average assets | -0.10% | 12th pct | 10th pct |
| Net interest margin | 3.04% | 18th pct | 16th pct |
| Cost of funds | 0.76% | 38th pct | 46th pct |
| Loan-to-share | 49.62% | 29th pct | 31th pct |
| Delinquency 60+ days | 0.05% | 5th pct | 11th pct |
| Net charge-off ratio | -0.03% | 8th pct | 7th pct |
| Loan growth YoY | -3.68% | 29th pct | 23th pct |
| Share growth YoY | 0.18% | 19th pct | 18th pct |
| Efficiency ratio | 103.46% | 95th pct | 95th pct |
structural peer set hash: 4d36a202e88bde2fa8a5da64d8d9381d… (reproducible)
Closest structural peers
This is the free public view
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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.