LAKE SUPERIOR
Charter #65085 · ONTONAGON, MI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.92% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.15% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 63.18% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 4th percentile but its structural peers at the 36th — a 32-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 SUPERIOR | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $10.91M | 4th pct | 36th pct |
| Members | 1,330 | 18th pct | 43th pct |
| Net worth ratio | 14.00% | 53th pct | 48th pct |
| Return on average assets | 1.92% | 93th pct | 87th pct |
| Net interest margin | 4.48% | 78th pct | 72th pct |
| Cost of funds | 0.15% | 10th pct | 5th pct |
| Loan-to-share | 58.50% | 52th pct | 41th pct |
| Delinquency 60+ days | 0.06% | 17th pct | 28th pct |
| Net charge-off ratio | 0.00% | 23th pct | 28th pct |
| Loan growth YoY | 3.26% | 88th pct | 85th pct |
| Share growth YoY | 1.76% | 42th pct | 43th pct |
| Efficiency ratio | 63.18% | 15th pct | 16th pct |
structural peer set hash: b8f003017a511822c2b67206f48d6669… (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.