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
Call Report peers
Lake Huron in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Lake Huron sits in 70-74 with 317 others.
72 20th percentile higher than 20% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Michigan, Best Financial (#158) ties at 72/100; one place down, Straits Area (#160) scores 71/100, 1 point lower.
Quarter path for Lake Huron
Lake Huron: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $80.4M (2025Q4) to $82.5M (2026Q1).
- Net-worth ratio shifted -0.21 pp (14.54% → 14.33%).
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
Lake Huron gives up 28 points in total. Member Growth costs the most, 14.5 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Lake Huron financially healthy?
On its 2025Q4 NCUA 5300 filing, Lake Huron scores 72/100 (Very Good), with a 14.33% net worth ratio and 1.17% of loans delinquent. It ranks #3,462 of 4,374 nationally on health and #159 of 171 in Michigan.
How does Lake Huron compare to other credit unions?
Lake Huron scores 72/100, higher than 20% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (92.35% vs 62.60%). Its widest shortfall is return on assets (0.09% vs 0.66%).
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?
Lake Huron 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. Lake Huron's net worth ratio of 14.33% 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.