Federal credit union · Monticello, Indiana · NCUA charter #10772
LAKES
Health score 100/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 100
- Health / 100
- $25.9M
- Total assets
- 3,020
- Members
- 15.0%
- Net-worth ratio
LAKES scores 100/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $25.9M; members 3,020; net-worth ratio 15.01%; health rank #12 of 4,374; healthier than 99th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#12 of 4,374 health · 2025Q4LAKES · health 100/100 · $25.9M · 2025Q4
Call Report peers
LAKES in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
LAKES vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); LAKES sits in 100 with 34 others.
100 Top 1% higher than 99% 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
LAKES: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 72.16% vs peer 59.80% (+12.36 pp).
Indiana standing for LAKES
- Indiana health ordinal: #1 of 124.
- By total assets, LAKES is #90 of 124 in Indiana.
- Member book place in Indiana: #82 of 124.
- No Indiana credit union scores higher; the runner-up, Gesb Sheet Metal Workers (#2) ties at 100/100.
LAKES: 2025Q4 → 2026Q1
LAKES: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +6.4% from $25.9M (2025Q4) to $27.5M (2026Q1).
- Net-worth ratio shifted -0.44 pp (15.45% → 15.01%).
This credit union's 15.01% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 100/100 score is built
LAKES gives up 0 points in total. Member Growth costs the most, 0.1 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 14.9 pts
- Loan-to-Share Ratio 15.1 pts
Call Report ratios for LAKES
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.01% | +0.15 pp |
| Delinquency Rate | 0.09% | -1.05 pp |
| Return on Assets | 3.21% | +2.51 pp |
| Member Growth | 4.93% | - |
| Loan-to-Share Ratio | 72.16% | +12.36 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - LAKES
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $27.5M | - |
| 2025Q4 | $25.9M | 3,020 |
| 2024Q4 | $25.9M | 2,878 |
| 2023Q4 | $24.9M | 2,972 |
Credit Union Details
- Charter Number
- 10772
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Indiana
- City
- Monticello
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, LAKES runs one office.
| Office | City |
|---|---|
| Lakes Federal Credit Union (Main Office) | Monticello, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
Other federally-insured credit unions in Indiana, closest first by peer group and asset size.
Cross-state Call Report peers for LAKES
Similar total assets
Similar health score
Using this data
- LAKES ranks #12 of 4,374 nationally on financial health and #1 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Martin County Cooperative is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Martin County Cooperative
Frequently Asked Questions
Is LAKES financially healthy?
On its 2025Q4 NCUA 5300 filing, LAKES scores 100/100 (Excellent), with a 15.01% net worth ratio and 0.09% of loans delinquent. It ranks #12 of 4,374 nationally on health and #1 of 124 in Indiana.
How does LAKES compare to other credit unions?
LAKES scores 100/100, higher than 99% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (72.16% vs 59.80%).
How can I join LAKES?
LAKES operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact LAKES directly for the exact boundaries and application steps.
Is my money safe at LAKES?
LAKES is a federal 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. LAKES's net worth ratio of 15.01% 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.