GREAT LAKES FIRST
Charter #6102 · ESCANABA, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 10.07% sits at the 21st percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.09% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 83.78% sits at the 75th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 6th percentile but its structural peers at the 30th — a 24-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 | GREAT LAKES FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $105.70M | 4th pct | 28th pct |
| Members | 7,434 | 15th pct | 31th pct |
| Net worth ratio | 10.07% | 29th pct | 21th pct |
| Return on average assets | 0.68% | 48th pct | 39th pct |
| Net interest margin | 3.53% | 42th pct | 54th pct |
| Cost of funds | 0.79% | 29th pct | 51th pct |
| Loan-to-share | 42.58% | 6th pct | 30th pct |
| Delinquency 60+ days | 0.70% | 57th pct | 59th pct |
| Net charge-off ratio | 0.09% | 17th pct | 21th pct |
| Loan growth YoY | 0.48% | 52th pct | 66th pct |
| Share growth YoY | 5.49% | 76th pct | 69th pct |
| Efficiency ratio | 83.78% | 68th pct | 75th pct |
structural peer set hash: 871c0f17fd465891389b6607d2f74ddd… (reproducible)
Closest structural peers
This is the free public view
Claim GREAT LAKES FIRST
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.