State credit union · ONTONAGON, Michigan · NCUA charter #65085
Lake Superior
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $10.7M
- Total assets
- 1,336
- Members
- 14.0%
- Net-worth ratio
Lake Superior scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.7M; members 1,336; net-worth ratio 14.00%; health rank #605 of 4,374; healthier than 84th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#605 of 4,374 health · 2025Q4Lake Superior · health 93/100 · $10.7M · 2025Q4
Call Report peers
Lake Superior in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Lake Superior vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Lake Superior sits in 90-94 with 747 others.
93 Top 16% higher than 84% 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
Where Lake Superior diverges from peer averages
- Largest favorable gap: Return on Assets at 2.86% vs peer 0.70% (+2.16 pp).
- Net Worth Ratio trails the peer set - 14.00% here, 14.86% peer average (-0.86 pp).
Where Lake Superior sits in Michigan
- In Michigan, health place is #22 of 171 on the same NCUA-ratio sort used nationally.
- Michigan assets place: #167 of 171.
- Michigan membership ordinal: #160 of 171.
- One place up in Michigan, THORNAPPLE (#21) scores 94/100, 1 point higher; one place down, Michigan Schools and Government (#23) ties at 93/100.
Quarter path for Lake Superior
Lake Superior: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $10.7M (2025Q4) to $10.9M (2026Q1).
- Net-worth ratio shifted +0.17 pp (13.83% → 14.00%).
At 14.00%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 93/100 score is built
Lake Superior gives up 7 points in total. Member Growth costs the most, 3.4 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.4 pts
- Return on Assets 15.0 pts
- Member Growth 11.6 pts
- Loan-to-Share Ratio 13.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.00% | -0.86 pp |
| Delinquency Rate | 0.66% | -0.48 pp |
| Return on Assets | 2.86% | +2.16 pp |
| Member Growth | 2.14% | - |
| Loan-to-Share Ratio | 60.45% | +0.65 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.9M | - |
| 2025Q4 | $10.7M | 1,336 |
| 2024Q4 | $10.1M | 1,308 |
| 2023Q4 | $10.5M | 1,286 |
Credit Union Details
- Charter Number
- 65085
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Michigan
- City
- ONTONAGON
- Data Quarter
- 2025Q4
Branch Location
Lake Superior operates a single office in Ontonagon, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Lake Superior Credit Union (Main Office) | Ontonagon, 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.
Cross-state Call Report peers for Lake Superior
Using this data
- Lake Superior ranks #605 of 4,374 nationally on financial health and #22 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Northern Lights Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Northern Lights Community
Frequently Asked Questions
Is Lake Superior financially healthy?
Lake Superior has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #605 of 4,374 nationally on health and #22 of 171 in Michigan. Its net worth ratio is 14.00% and its delinquency rate 0.66%.
How does Lake Superior compare to other credit unions?
Lake Superior scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (2.86% vs 0.70%). Its widest shortfall is net worth ratio (14.00% vs 14.86%).
How can I join Lake Superior?
Membership eligibility for Lake Superior depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Lake Superior directly for current membership requirements and application steps.
Is my money safe at Lake Superior?
Lake Superior 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 Superior's net worth ratio of 14.00% 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.