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
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 65-69 with 275 others.
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
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).
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.
- One place up in Illinois, Northwest Community (#168) ties at 67/100; one place down, Decatur Policemen (#170) scores 66/100, 1 point lower.
Quarter path for Great Lakes
Great Lakes: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.5% from $1.41B (2025Q4) to $1.44B (2026Q1).
- Net-worth ratio shifted -0.15 pp (9.04% → 8.89%).
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
Great Lakes gives up 33 points in total. Return on Assets costs the most, 12.5 of its 15; Loan-to-Share Ratio loses the least, 0.6.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Great Lakes financially healthy?
Great Lakes has a financial health score of 67/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,781 of 4,374 nationally on health and #169 of 192 in Illinois. Its net worth ratio is 8.89% and its delinquency rate 1.46%.
How does Great Lakes compare to other credit unions?
Great Lakes scores 67/100, higher than 13% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (91.44% vs 83.90%). Its widest shortfall is net worth ratio (8.89% vs 11.18%).
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?
Great Lakes is a state-chartered 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 8.89% 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.