GREAT LAKES
Charter #60238 · BANNOCKBURN, IL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 100,458 ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 8.89% sits at the 21st percentile of structural peers — worth a closer look.
- Return on average assets of 0.27% sits at the 25th percentile of structural peers — worth a closer look.
- Cost of funds of 1.20% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 85.70% sits at the 77th 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 | $1.44B | 26th pct | 62th pct |
| Members | 100,458 | 42th pct | 84th pct |
| Net worth ratio | 8.89% | 11th pct | 21th pct |
| Return on average assets | 0.27% | 13th pct | 25th pct |
| Net interest margin | 3.15% | 37th pct | 64th pct |
| Cost of funds | 1.20% | 26th pct | 25th pct |
| Loan-to-share | 87.22% | 52th pct | 46th pct |
| Delinquency 60+ days | 0.82% | 69th pct | 59th pct |
| Net charge-off ratio | 0.42% | 37th pct | 67th pct |
| Loan growth YoY | -3.10% | 4th pct | 15th pct |
| Share growth YoY | 1.71% | 15th pct | 26th pct |
| Efficiency ratio | 85.70% | 91th pct | 77th pct |
structural peer set hash: 90201cf7e9e7da1e08fd7c96fdeb9504… (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.