Federal credit union · Muskegon, Michigan · NCUA charter #8709
LAKESHORE
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $44.7M
- Total assets
- 2,613
- Members
- 11.6%
- Net-worth ratio
LAKESHORE scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $44.7M; members 2,613; net-worth ratio 11.55%; health rank #1,664 of 4,374; healthier than 60th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,664 of 4,374 health · 2025Q4LAKESHORE · health 87/100 · $44.7M · 2025Q4
Call Report peers
LAKESHORE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
LAKESHORE vs every NCUA-scored credit union
LAKESHORE sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
LAKESHORE vs $10M–$50M peers
- Delinquency Rate leads the peer set - 0.70% here, 1.15% peer average (-0.44 pp).
- Loan-to-Share Ratio trails the peer set - 34.96% here, 59.80% peer average (-24.84 pp).
Michigan standing for LAKESHORE
- In Michigan, health place is #79 of 171 on the same NCUA-ratio sort used nationally.
- Michigan assets place: #138 of 171.
- Michigan membership ordinal: #145 of 171.
- One place up in Michigan, Cornerstone Community Financial (#78) ties at 87/100; one place down, University of Michigan (#80) ties at 87/100.
How LAKESHORE's 5300 filing moved
LAKESHORE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $44.7M (2025Q4) to $45.9M (2026Q1).
- Net-worth ratio shifted -0.19 pp (11.74% → 11.55%).
11.55% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
LAKESHORE gives up 13 points in total. Loan-to-Share Ratio costs the most, 5.9 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.0 pts
- Return on Assets 13.6 pts
- Member Growth 11.7 pts
- Loan-to-Share Ratio 8.7 pts
Call Report ratios for LAKESHORE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.55% | -3.31 pp |
| Delinquency Rate | 0.70% | -0.44 pp |
| Return on Assets | 0.41% | -0.30 pp |
| Member Growth | 2.27% | - |
| Loan-to-Share Ratio | 34.96% | -24.84 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
LAKESHORE quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $45.9M | - |
| 2025Q4 | $44.7M | 2,613 |
| 2024Q4 | $41.8M | 2,555 |
| 2023Q4 | $39.4M | 2,506 |
Credit Union Details
- Charter Number
- 8709
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Michigan
- City
- Muskegon
- Data Quarter
- 2025Q4
Branch Location
LAKESHORE operates a single office in Muskegon, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Lakeshore Federal Credit Union (Main Office) | Muskegon, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
Other federally-insured credit unions in Michigan, closest first by peer group and asset size.
Cross-state Call Report peers for LAKESHORE
Similar total assets
Similar health score
Using this data
- LAKESHORE ranks #1,664 of 4,374 nationally on financial health and #79 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MANISTIQUE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MANISTIQUE
Frequently Asked Questions
Is LAKESHORE financially healthy?
LAKESHORE has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,664 of 4,374 nationally on health and #79 of 171 in Michigan. Its net worth ratio is 11.55% and its delinquency rate 0.70%.
How does LAKESHORE compare to other credit unions?
LAKESHORE scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.70% vs 1.15%). Its widest shortfall is loan-to-share ratio (34.96% vs 59.80%).
How can I join LAKESHORE?
LAKESHORE 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 LAKESHORE directly for the exact boundaries and application steps.
Is my money safe at LAKESHORE?
LAKESHORE 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. LAKESHORE's net worth ratio of 11.55% 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.