State credit union · BANNOCKBURN, Illinois · NCUA charter #60238
Great Lakes
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $1.41B
- Total assets
- 103,253
- Members
- 8.9%
- Net-worth ratio
Great Lakes scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.41B; members 103,253; net-worth ratio 8.89%; health rank #3,781 of 4,374; healthier than 13th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,781 of 4,374 health · 2025Q4Great Lakes · health 67/100 · $1.41B · 2025Q4
- ROA 67/100
- ASSETS 8.9%
- MEM 1.46%
- RANK -0.22%
- PHOTO $1.41B
- BOOK 103,253
- CHARTER #3,781/4,374
- NCUSIF AVADIAN
- CAMELS 60238
Call Report peers
Great Lakes in the assets neighbourhood
Great Lakes's $1.41B assets sit next to AVADIAN ($1.41B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
67 13th percentile higher than 13% 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 - Share Insurance Coverage
Charter #60238's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where Great Lakes diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +7.54 pp (91.44% vs 83.90%).
- Largest lag: Net Worth Ratio at 8.89% vs peer 11.18% (-2.29 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Great Lakes sits in Illinois
- Illinois health ordinal: #169 of 192.
- Assets rank #10 of 192 inside Illinois ($1.41B reported).
- Illinois membership ordinal: #9 of 192.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Great Lakes
Great Lakes: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.5% from $1.41B (2025Q4) to $1.44B (2026Q1).
- Net-worth ratio shifted -0.15 pp (9.04% → 8.89%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.89% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 67/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 67.
- Net Worth Ratio 27.2 pts
- Delinquency Rate 16.6 pts
- Return on Assets 2.5 pts
- Member Growth 6.3 pts
- Loan-to-Share Ratio 14.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.89% | -2.29 pp |
| Delinquency Rate | 1.46% | +0.58 pp |
| Return on Assets | -0.22% | -0.73 pp |
| Member Growth | -1.49% | - |
| Loan-to-Share Ratio | 91.44% | +7.54 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Great Lakes quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.44B | - |
| 2025Q4 | $1.41B | 103,253 |
| 2024Q4 | $1.49B | 104,810 |
| 2023Q4 | $1.32B | 80,830 |
Credit Union Details
- Charter Number
- 60238
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Illinois
- City
- BANNOCKBURN
- Data Quarter
- 2025Q4
Branch Locations (21)
Great Lakes operates 21 offices across 19 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| GLCU Headquarters (Main Office) | Bannockburn, IL |
| Antioch Branch | Antioch, IL |
| Berkeley | Berkeley, IL |
| Bolingbrook Branch | Bolingbrook, IL |
| Chicago Uptown | Chicago, IL |
| Chicago Austin (Leaders Network Financial) | CHICAGO, IL |
| Chicago West Rogers Park Branch | chicago, IL |
| CHICAGO DOUGLAS | chicago, IL |
| Chicago Galewood Branch | Chicago, IL |
| Country Club Hills Branch | Country Club Hills, IL |
| Crystal Lake Branch | Crystal Lake, IL |
| DANVILLE | DANVILLE, IL |
| Gurnee Branch | Gurnee, IL |
| Libertyville Branch | Libertyville, IL |
| Naperville Branch | Naperville, IL |
| North Chicago Branch | North Chicago, IL |
| Round Lake Beach Branch | Round Lake Beach, IL |
| Skokie Branch | skokie, IL |
| Waukegan Branch | Waukegan, IL |
| Woodstock Branch | Woodstock, IL |
| Zion Branch | Zion, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
A look at other Illinois credit unions, ranked by how closely their peer group and asset size match this one.
Great Lakes nationwide neighbourhoods
Two NCUA Call Report peer sets for Great Lakes, both outside Illinois so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.41B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (67/100 here).
Using this data
- Great Lakes ranks #3,781 of 4,374 nationally on financial health and #169 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- VIBRANT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with VIBRANT
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Great Lakes financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Great Lakes carries a financial health score of 67/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,781 of 4,374; by total assets it ranks #354 of 4,374 nationally (same basis as /rankings/largest); and #10 of 192 within Illinois. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.89% net worth ratio and a 1.46% delinquency rate.
How does Great Lakes compare to other credit unions?
Five weighted metrics from NCUA filings produce Great Lakes's 67/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Great Lakes?
Membership eligibility for Great Lakes depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Great Lakes directly for current membership requirements and application steps.
Is my money safe at Great Lakes?
Federal credit unions like Great Lakes are 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 8.89% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Great Lakes offer compared to banks?
Credit unions like Great Lakes are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Great Lakes directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.