State credit union · Saginaw, Michigan · NCUA charter #61638
Lake Huron
Health score 72/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $80.4M
- Total assets
- 6,271
- Members
- 14.5%
- Net-worth ratio
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.
Lake Huron - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)75
- Earnings (ROA)58
- Member growth3
- Liquidity (loan-to-share)93
Weighted composite: 72/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
14.54% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.54% | 30% |
| Delinquency Rate | 1.17% | 25% |
| Return on Assets | 0.09% | 15% |
| Member Growth | -4.74% | 15% |
| Loan-to-Share Ratio | 92.35% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Lake Huron
Headquartered in Saginaw, Michigan, Lake Huron is a state credit union with 6,271 members, $80.4M in total assets, and $60.9M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 72/100 (Very Good), driven in part by a net worth ratio of 14.54% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #61638 and reports within peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 1.17% measures loans 60+ days past due against total loans outstanding - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. The loan-to-share ratio of 92.35% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.09% on net income of $74K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -4.74%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.54% 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 14.54% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.