Federal credit union · ESCANABA, Michigan · NCUA charter #6102
Great Lakes First
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $102.3M
- Total assets
- 7,440
- Members
- 10.1%
- Net-worth ratio
Great Lakes First scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $102.3M; members 7,440; net-worth ratio 10.07%; health rank #2,461 of 4,374; healthier than 43rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,461 of 4,374 health · 2025Q4Great Lakes First · health 82/100 · $102.3M · 2025Q4
- NW 82/100
- DELQ 10.1%
- ROA 0.61%
- ASSETS 0.20%
- MEM $102.3M
- RANK 7,440
- PHOTO #2,461/4,374
- BOOK FARMWAY
- CHARTER 6102
Call Report peers
Great Lakes First in the assets neighbourhood
Great Lakes First's $102.3M assets sit next to FARMWAY ($102.2M) 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 First 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
82 43rd percentile higher than 43% 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 First - Share Insurance Coverage
Charter #6102'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.
Great Lakes First vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.29 pp (0.61% vs 0.89%).
- Largest lag: Loan-to-Share Ratio at 44.12% vs peer 72.20% (-28.08 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Great Lakes First in Michigan
- Michigan health ordinal: #126 of 171.
- Michigan assets place: #111 of 171.
- Member book place in Michigan: #110 of 171.
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Great Lakes First: 2025Q4 → 2026Q1
Great Lakes First: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $102.3M (2025Q4) to $105.7M (2026Q1).
- Net-worth ratio shifted -0.16 pp (10.23% → 10.07%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.07%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.9 pts
- Return on Assets 10.4 pts
- Member Growth 7.9 pts
- Loan-to-Share Ratio 9.8 pts
Great Lakes First vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.07% | -2.04 pp |
| Delinquency Rate | 0.61% | -0.29 pp |
| Return on Assets | 0.20% | -0.43 pp |
| Member Growth | -0.59% | - |
| Loan-to-Share Ratio | 44.12% | -28.08 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - Great Lakes First
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $105.7M | - |
| 2025Q4 | $102.3M | 7,440 |
| 2024Q4 | $96.1M | 7,484 |
| 2023Q4 | $92.6M | 7,663 |
Credit Union Details
- Charter Number
- 6102
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- ESCANABA
- Data Quarter
- 2025Q4
Branch Locations (2)
Great Lakes First operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Escanaba office (Main Office) | Escanaba, MI |
| Gladstone office | Gladstone, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Great Lakes First - kept outside Michigan; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($102.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- Great Lakes First ranks #2,461 of 4,374 nationally on financial health and #126 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Family First is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Family First
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan 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 First financially healthy?
Yes/no aside, the number is 82/100 (Excellent) - Great Lakes First's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,461 of 4,374; by total assets it ranks #1,802 of 4,374 nationally (same basis as /rankings/largest); and #111 of 171 within Michigan. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.07% net worth ratio and 0.61% delinquency rate are the key drivers.
How does Great Lakes First compare to other credit unions?
Great Lakes First scores 82/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 First?
Great Lakes First 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 First directly for the exact boundaries and application steps.
Is my money safe at Great Lakes First?
Federal credit unions like Great Lakes First 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 First's net worth ratio of 10.07% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Great Lakes First offer compared to banks?
Credit unions like Great Lakes First 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 First 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.