LAKE SUPERIOR
Charter #65085 | MI
<100M
(2596 CUs)
Micro
($0-$500M)
61 <100M in MI
LAKE SUPERIOR demonstrates 6 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.88% above tier average
- + Net Interest Margin 0.86% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 8.1% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,333
+2.9% YoY+0.9% QoQ
|
-1.3K |
2,625
-2.2% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
37th in tier |
| Assets |
$10.6M
+4.0% YoY+1.3% QoQ
|
$-19.2M |
$29.9M
+1.1% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
33rd in tier |
| Loans |
$5.3M
+2.8% YoY+2.1% QoQ
|
$-10.5M |
$15.8M
-2.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
36th in tier |
| Deposits |
$9.2M
+1.6% YoY+0.8% QoQ
|
$-16.3M |
$25.5M
+0.4% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
35th in tier |
| ROA |
2.6%
-16.1% YoY+3.9% QoQ
|
+1.9% |
0.7%
-731.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
Top 3.4% in tier |
| NIM |
4.8%
-4.1% YoY+0.7% QoQ
|
+0.9% |
3.9%
+3.8% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
Top 18.3% in tier |
| Efficiency Ratio |
53.5%
+15.1% YoY-2.5% QoQ
|
-27.9% |
81.4%
-2.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
Bottom 8.1% in tier |
| Delinquency Rate |
0.4%
+433.7% YoY-27.5% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
36th in tier |
| Loan To Share |
57.7%
+1.2% YoY+1.3% QoQ
|
-3.6% |
61.2%
-3.0% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
45th in tier |
| AMR |
$10,881
-0.8% YoY+0.4% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
33rd in tier |
| CD Concentration |
3.1%
-5.0% YoY-2.5% QoQ
|
-21.3% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
87
Return on Assets (ROA)
profitability
Value:
2.56%
Peer Avg: 0.68%
#87 of 2596
Top 3.3% in <100M tier
211
Efficiency Ratio
profitability
Value:
53.51%
Peer Avg: 81.39%
#211 of 2596
Top 8.1% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
335
Member Growth Rate
growth
Value:
2.85%
Peer Avg: 14.92%
#335 of 2596
Top 12.9% in <100M tier
474
Net Interest Margin (NIM)
profitability
Value:
4.80%
Peer Avg: 3.93%
#474 of 2596
Top 18.2% in <100M tier
Top Weaknesses (0 metrics)
No weakness rankings available