TellerScore

Headquartered in Bannockburn, Illinois, Great Lakes Credit Union is a federally insured state-chartered credit union with $1.4B in total assets and $1.2B in member shares and deposits as of Q2 2026. It operates 13 offices. Its charter dates back to 1938.

Great Lakes Credit Union has a TellerScore of 52 out of 100 (below average) based on Q2 2026 data — higher than only 8% of its 454 credit unions with $1 billion – $10 billion. Among 188 credit unions headquartered in Illinois, it ranks 180th. Problem-loan coverage contributes the most (79/100, 10.6%); earnings contributes the least (35/100, 0.38%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Net worth ratio: 9.07%
Loan quality58/100
Loans 60+ days delinquent ÷ total loans: 1.26%
Earnings35/100
Return on assets (annualized): 0.38%
Funding & liquidity70/100
Loans ÷ shares: 89.9% · 9.6% uninsured
Problem-loan coverage79/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 10.57%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (53 → 52).

TellerScore
465156Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202454
Q3 202452
Q4 202446
Q1 202552
Q2 202553
Q3 202554
Q4 202550
Q1 202656
Q2 202652
Net worth ratio
7.00%8.05%9.11%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.50%
Q3 20249.04%
Q4 20248.36%
Q1 20258.17%
Q2 20258.76%
Q3 20259.11%
Q4 20259.04%
Q1 20268.89%
Q2 20269.07%
Delinquent loans (60+ days)
0.60%1.03%1.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.60%
Q3 20240.97%
Q4 20241.09%
Q1 20250.92%
Q2 20251.17%
Q3 20251.15%
Q4 20251.46%
Q1 20260.82%
Q2 20261.26%
Return on assets
-0.21%0.15%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.21%
Q3 20240.17%
Q4 2024-0.21%
Q1 20250.32%
Q2 20250.51%
Q3 20250.50%
Q4 20250.40%
Q1 20260.27%
Q2 20260.38%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202652$1.4B9.07%1.26%0.38%89.9%
Q1 202656$1.4B8.89%0.82%0.27%87.2%
Q4 202550$1.4B9.04%1.46%0.40%91.4%
Q3 202554$1.4B9.11%1.15%0.50%91.6%
Q2 202553$1.5B8.76%1.17%0.51%90.8%
Q1 202552$1.5B8.17%0.92%0.32%89.9%
Q4 202446$1.5B8.36%1.09%-0.21%96.0%
Q3 202452$1.5B9.04%0.97%0.17%100.1%
Q2 202454$1.6B8.50%0.60%0.21%102.6%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.07%
11th
Problem loans1.26%
17th
Net charge-offs0.32%
74th
Return on assets0.38%
16th
Loans to deposits89.9%
44th
Uninsured deposits9.6%
46th
Loan-loss reserves0.00%
50th
Texas ratio10.6%
13th

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Vibrant Credit UnionCredit union Moline, IL42 out of 100, Below average$1.2B8.0%1.59%vs
Selfreliance Federal Credit UnionCredit union Chicago, IL71 out of 100, Strong$1.2B12.3%0.92%vs
Abbott Laboratories Credit UnionCredit union Gurnee, IL89 out of 100, Very strong$1.1B14.5%0.11%vs
1st Midamerica Credit UnionCredit union Bethalto, IL64 out of 100, Moderate$1.0B13.3%2.01%vs
Scott Credit UnionCredit union Edwardsville, IL71 out of 100, Strong$1.9B10.1%0.54%vs
Empeople Credit UnionCredit union Moline, IL58 out of 100, Moderate$2.3B8.3%0.59%vs

Deposit insurance

Is my money safe at Great Lakes Credit Union?

Yes. Great Lakes Credit Union is a federally insured credit union (NCUA charter #60238). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 9.6% of shares and deposits ($116.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 9.07%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

13 locations

Branches

Great Lakes Credit Union lists 13 offices in 10 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Great Lakes Credit Union reported 656 home-loan applications under HMDA (LEI 549300W6J23SLH6AR815): 248 originated ($21,370,000 total), 222 denied, and 186 withdrawn or closed by the applicant. Its denial rate on decided applications was 47.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Great Lakes Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60238
RSSD ID
630395
Primary regulator
State + NCUA
Established
1938
Headquarters
P.O. Box 1289, Bannockburn, IL 60015
Employees
256

Quick answers

Great Lakes Credit Union: common questions

Is Great Lakes Credit Union NCUA insured?

Yes. Great Lakes Credit Union is a federally insured credit union (NCUA charter #60238). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Great Lakes Credit Union's TellerScore?

52 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Great Lakes Credit Union have?

13 offices as of the latest NCUA data.