LAKE HURON
Charter #61638 · Saginaw, MI · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.85% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.02% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.02% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 96th percentile but its structural peers at the 79th — a 17-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 | LAKE HURON | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $82.54M | 72th pct | 62th pct |
| Members | 6,264 | 70th pct | 59th pct |
| Net worth ratio | 14.33% | 65th pct | 74th pct |
| Return on average assets | 0.67% | 47th pct | 44th pct |
| Net interest margin | 4.85% | 94th pct | 84th pct |
| Cost of funds | 0.02% | 1th pct | 5th pct |
| Loan-to-share | 90.06% | 96th pct | 79th pct |
| Delinquency 60+ days | 0.57% | 47th pct | 38th pct |
| Net charge-off ratio | 0.02% | 21th pct | 20th pct |
| Loan growth YoY | 1.61% | 76th pct | 69th pct |
| Share growth YoY | 0.42% | 22th pct | 23th pct |
| Efficiency ratio | 78.37% | 46th pct | 44th pct |
structural peer set hash: f0cc86f93016ed9d3cc89e09a88caaa9… (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.