Federal credit union · Bay City, Michigan · NCUA charter #24874
Great Lakes
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $59.8M
- Total assets
- 4,479
- Members
- 11.9%
- Net-worth ratio
Great Lakes scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $59.8M; members 4,479; net-worth ratio 11.89%; health rank #2,743 of 4,374; healthier than 36th of scored peers.
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NCUA 5300 Call Report Masthead
#2,743 of 4,374 health · 2025Q4Great Lakes · health 80/100 · $59.8M · 2025Q4
Call Report peers
Great Lakes in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Great Lakes vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Great Lakes sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Great Lakes: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.46% vs peer 0.96% (-0.51 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -10.27 pp (52.33% vs 62.60%).
Great Lakes in Michigan
- Health composite ranks #136 of 171 among scored Michigan credit unions.
- By total assets, Great Lakes is #131 of 171 in Michigan.
- Member book place in Michigan: #130 of 171.
- One place up in Michigan, CASE (#135) scores 81/100, 1 point higher; one place down, IGNITE (#137) ties at 80/100.
Great Lakes: 2025Q4 → 2026Q1
Great Lakes: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $59.8M (2025Q4) to $60.1M (2026Q1).
- Net-worth ratio shifted -0.09 pp (11.98% → 11.89%).
11.89% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 80/100 score is built
Great Lakes gives up 20 points in total. Member Growth costs the most, 10.7 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.9 pts
- Member Growth 4.3 pts
- Loan-to-Share Ratio 10.8 pts
Great Lakes health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.89% | -1.73 pp |
| Delinquency Rate | 0.46% | -0.51 pp |
| Return on Assets | 0.16% | -0.50 pp |
| Member Growth | -2.61% | - |
| Loan-to-Share Ratio | 52.33% | -10.27 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Great Lakes quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $60.1M | - |
| 2025Q4 | $59.8M | 4,479 |
| 2024Q4 | $59.5M | 4,599 |
| 2023Q4 | $60.4M | 4,600 |
Credit Union Details
- Charter Number
- 24874
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Michigan
- City
- Bay City
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, Great Lakes runs 4 offices in 3 different cities.
| Office | City |
|---|---|
| Great Lake FCU (Main Office) | Bay City, MI |
| Great Lakes FCU | Bay City, MI |
| Great Lakes FCU | Birch Run, MI |
| CU Answers | Grand Rapids, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
A look at other Michigan credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- Great Lakes ranks #2,743 of 4,374 nationally on financial health and #136 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Gratiot Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Gratiot Community
Frequently Asked Questions
Is Great Lakes financially healthy?
On its 2025Q4 NCUA 5300 filing, Great Lakes scores 80/100 (Excellent), with a 11.89% net worth ratio and 0.46% of loans delinquent. It ranks #2,743 of 4,374 nationally on health and #136 of 171 in Michigan.
How does Great Lakes compare to other credit unions?
Great Lakes scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.46% vs 0.96%). Its widest shortfall is loan-to-share ratio (52.33% vs 62.60%).
How can I join Great Lakes?
Great Lakes operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Great Lakes directly for the exact boundaries and application steps.
Is my money safe at Great Lakes?
Great Lakes is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Great Lakes's net worth ratio of 11.89% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.