LAKE TRUST
Charter #62047 · Brighton, MI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.09% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.02% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.67% 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 | LAKE TRUST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.87B | 63th pct | 66th pct |
| Members | 180,917 | 69th pct | 72th pct |
| Net worth ratio | 10.66% | 48th pct | 48th pct |
| Return on average assets | 0.54% | 34th pct | 26th pct |
| Net interest margin | 3.62% | 67th pct | 67th pct |
| Cost of funds | 0.09% | 3th pct | 3th pct |
| Loan-to-share | 84.02% | 43th pct | 38th pct |
| Delinquency 60+ days | 1.02% | 79th pct | 79th pct |
| Net charge-off ratio | 0.67% | 63th pct | 77th pct |
| Loan growth YoY | 1.05% | 40th pct | 46th pct |
| Share growth YoY | 6.68% | 80th pct | 75th pct |
| Efficiency ratio | 76.87% | 66th pct | 62th pct |
structural peer set hash: 1fe1a0280f285454f3da2931853038ba… (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.