LAKESHORE
Charter #8709 · Muskegon, MI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.57% sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 1.39% sits at the 97th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.01% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 94th percentile but its structural peers at the 56th — a 38-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 | LAKESHORE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $45.86M | 94th pct | 56th pct |
| Members | 2,628 | 66th pct | 39th pct |
| Net worth ratio | 11.55% | 32th pct | 41th pct |
| Return on average assets | 0.40% | 36th pct | 44th pct |
| Net interest margin | 2.57% | 7th pct | 7th pct |
| Cost of funds | 1.39% | 74th pct | 97th pct |
| Loan-to-share | 32.66% | 12th pct | 36th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -0.01% | 19th pct | 23th pct |
| Loan growth YoY | -1.56% | 57th pct | 62th pct |
| Share growth YoY | 3.22% | 58th pct | 72th pct |
| Efficiency ratio | 84.96% | 62th pct | 52th pct |
structural peer set hash: 2ca11019de09d683cace85dfc79c5324… (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.