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
- NCUSIF 100/100
- CAMELS 15.0%
- HEALTH 0.09%
- NW 3.21%
- DELQ $25.9M
- ROA 3,020
- ASSETS #12/4,374
- MEM Montcalm Public Employees
- RANK 10772
Call Report peers
LAKES in the assets neighbourhood
LAKES's $25.9M assets sit next to Montcalm Public Employees ($25.9M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Charter #10772's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
LAKES: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 72.16% vs peer 59.80% (+12.36 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for IN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
LAKES: 2025Q4 → 2026Q1
LAKES: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.4% from $25.9M (2025Q4) to $27.5M (2026Q1).
- Net-worth ratio shifted -0.44 pp (15.45% → 15.01%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 100.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for LAKES, both outside Indiana so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($25.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (100/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Indiana credit unions compare overall before assuming this one is typical. Indiana state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is LAKES financially healthy?
LAKES scores 100/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #12 of 4,374; by total assets it ranks #2,966 of 4,374 nationally (same basis as /rankings/largest); and #90 of 124 within Indiana. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 15.01% net worth ratio and a 0.09% delinquency rate.
How does LAKES compare to other credit unions?
PlainCU's health composite puts LAKES at 100/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like LAKES 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. LAKES's net worth ratio of 15.01% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does LAKES offer compared to banks?
Credit unions like LAKES 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 LAKES directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.