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
Call Report peers
Great Lakes First 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 First vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Great Lakes First sits in 80-84 with 767 others.
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 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).
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.
- One place up in Michigan, True Community (#125) ties at 82/100; one place down, GRACO (#127) ties at 82/100.
Great Lakes First: 2025Q4 → 2026Q1
Great Lakes First: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.3% from $102.3M (2025Q4) to $105.7M (2026Q1).
- Net-worth ratio shifted -0.16 pp (10.23% → 10.07%).
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
Great Lakes First gives up 18 points in total. Member Growth costs the most, 7.1 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Great Lakes First financially healthy?
Great Lakes First has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,461 of 4,374 nationally on health and #126 of 171 in Michigan. Its net worth ratio is 10.07% and its delinquency rate 0.61%.
How does Great Lakes First compare to other credit unions?
Great Lakes First scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.61% vs 0.89%). Its widest shortfall is loan-to-share ratio (44.12% vs 72.20%).
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?
Great Lakes First 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 First's net worth ratio of 10.07% 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.