State credit union · Brighton, Michigan · NCUA charter #62047
Lake Trust
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $2.79B
- Total assets
- 179,409
- Members
- 10.7%
- Net-worth ratio
Lake Trust scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.79B; members 179,409; net-worth ratio 10.66%; health rank #1,997 of 4,374; healthier than 54th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,997 of 4,374 health · 2025Q4Lake Trust · health 85/100 · $2.79B · 2025Q4
Call Report peers
Lake Trust in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Lake Trust vs every NCUA-scored credit union
Lake Trust sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% 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
Peer-gap read for Lake Trust
- Largest favorable gap: Loan-to-Share Ratio at 86.97% vs peer 83.90% (+3.07 pp).
- Widest shortfall vs peers is Net Worth Ratio: -0.52 pp (10.66% vs 11.18%).
Lake Trust: in-state Call Report ranks
- Michigan health ordinal: #99 of 171.
- By total assets, Lake Trust is #8 of 171 in Michigan.
- Membership ranks #7 of 171 among Michigan CUs with a reported count (179,409 members).
- One place up in Michigan, HONOR (#98) ties at 85/100; one place down, VIBE (#100) ties at 85/100.
Quarter path for Lake Trust
Lake Trust: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.1% from $2.79B (2025Q4) to $2.87B (2026Q1).
- Net-worth ratio shifted -0.19 pp (10.85% → 10.66%).
This credit union's 10.66% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 85/100 score is built
Lake Trust gives up 15 points in total. Member Growth costs the most, 6.8 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.7 pts
- Return on Assets 13.6 pts
- Member Growth 8.2 pts
- Loan-to-Share Ratio 14.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.66% | -0.52 pp |
| Delinquency Rate | 1.17% | +0.30 pp |
| Return on Assets | 0.40% | -0.10 pp |
| Member Growth | -0.43% | - |
| Loan-to-Share Ratio | 86.97% | +3.07 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - Lake Trust
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.87B | - |
| 2025Q4 | $2.79B | 179,409 |
| 2024Q4 | $2.64B | 180,188 |
| 2023Q4 | $2.60B | 179,751 |
Credit Union Details
- Charter Number
- 62047
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- Brighton
- Data Quarter
- 2025Q4
Branch Locations (24)
Per its most recent NCUA branch filing, Lake Trust runs 24 offices in 18 different cities.
| Office | City |
|---|---|
| Headquarters (Main Office) | Brighton, MI |
| Ann Arbor - Packard Branch | Ann Arbor, MI |
| Ann Arbor - Stadium Branch | Ann Arbor, MI |
| Auburn Hills Branch | Auburn Hills, MI |
| Brighton Branch | Brighton, MI |
| Chelsea Branch | Chelsea, MI |
| Detroit DTE | Detroit, MI |
| Detroit Woodward | Detroit, MI |
| Dewitt | Dewitt, MI |
| Dimondale - Secondary Complex | Dimondale, MI |
| Lake Lansing Branch | East Lansing, MI |
| Grand Haven | Grand Haven, MI |
| Hastings Branch | Hastings, MI |
| Holland | Holland, MI |
| Howell - E Grand River | Howell, MI |
| Howell | Howell, MI |
| South Lansinig | Lansing, MI |
| West Saginaw | Lansing, MI |
| Downtown Lansing | Lansing, MI |
| Monroe | Monroe, MI |
| Mount Pleasant | Mount Pleasant, MI |
| Okemos | Okemos, MI |
| Plymouth Town Center | Plymouth, MI |
| Warren | Warren, 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.
Lake Trust nationwide neighbourhoods
Using this data
- Lake Trust ranks #1,997 of 4,374 nationally on financial health and #99 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CONSUMERS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CONSUMERS
Frequently Asked Questions
Is Lake Trust financially healthy?
Lake Trust has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,997 of 4,374 nationally on health and #99 of 171 in Michigan. Its net worth ratio is 10.66% and its delinquency rate 1.17%.
How does Lake Trust compare to other credit unions?
Lake Trust scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (86.97% vs 83.90%). Its widest shortfall is net worth ratio (10.66% vs 11.18%).
How can I join Lake Trust?
Membership eligibility for Lake Trust depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Lake Trust directly for current membership requirements and application steps.
Is my money safe at Lake Trust?
Lake Trust 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 Trust's net worth ratio of 10.66% 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.