State credit union · Saginaw, Michigan · NCUA charter #61638
Lake Huron
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $80.4M
- Total assets
- 6,271
- Members
- 14.3%
- Net-worth ratio
Lake Huron scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $80.4M; members 6,271; net-worth ratio 14.33%; health rank #3,462 of 4,374; healthier than 20th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,462 of 4,374 health · 2025Q4Lake Huron · health 72/100 · $80.4M · 2025Q4
- MEM 72/100
- RANK 14.3%
- PHOTO 1.17%
- BOOK 0.09%
- CHARTER $80.4M
- NCUSIF 6,271
- CAMELS #3,462/4,374
- HEALTH Rio Grande
- NW 61638
Call Report peers
Lake Huron in the assets neighbourhood
Lake Huron's $80.4M assets sit next to Rio Grande ($80.3M) 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.
Lake Huron 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
72 20th percentile higher than 20% 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
Lake Huron - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #61638: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where Lake Huron diverges from peer averages
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +29.75 pp (92.35% vs 62.60%).
- Widest shortfall vs peers is Return on Assets: -0.57 pp (0.09% vs 0.66%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Lake Huron sits in Michigan
- Michigan health ordinal: #159 of 171.
- Michigan assets place: #119 of 171.
- Member book place in Michigan: #117 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.
Quarter path for Lake Huron
Lake Huron: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $80.4M (2025Q4) to $82.5M (2026Q1).
- Net-worth ratio shifted -0.21 pp (14.54% → 14.33%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
14.33% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 72/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 72.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.7 pts
- Return on Assets 8.6 pts
- Member Growth 0.5 pts
- Loan-to-Share Ratio 14.2 pts
Lake Huron vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.33% | +0.71 pp |
| Delinquency Rate | 1.17% | +0.21 pp |
| Return on Assets | 0.09% | -0.57 pp |
| Member Growth | -4.74% | - |
| Loan-to-Share Ratio | 92.35% | +29.75 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $82.5M | - |
| 2025Q4 | $80.4M | 6,271 |
| 2024Q4 | $82.5M | 6,583 |
| 2023Q4 | $76.9M | 6,690 |
Credit Union Details
- Charter Number
- 61638
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Michigan
- City
- Saginaw
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Lake Huron runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Saginaw, MI |
| Bay City Branch | Bay City, MI |
| Shattuck Branch | Saginaw, 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.
Other-state peers near Lake Huron
Cross-state asset and health neighbours for Lake Huron - kept outside Michigan; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($80.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (72/100 here).
Using this data
- Lake Huron ranks #3,462 of 4,374 nationally on financial health and #159 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Limestone Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Limestone Financial
- 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 Lake Huron financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Lake Huron carries a financial health score of 72/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,462 of 4,374; by total assets it ranks #2,011 of 4,374 nationally (same basis as /rankings/largest); and #119 of 171 within Michigan. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.33% net worth ratio and a 1.17% delinquency rate.
How does Lake Huron compare to other credit unions?
Lake Huron scores 72/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 Lake Huron?
Membership eligibility for Lake Huron depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Lake Huron directly for current membership requirements and application steps.
Is my money safe at Lake Huron?
Federal credit unions like Lake Huron 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. Lake Huron's net worth ratio of 14.33% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Lake Huron offer compared to banks?
Credit unions like Lake Huron 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 Lake Huron 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.