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.

From Q2 2025 to Q2 2026, the score rose 12 points (62 → 74), mostly because the earnings component improved by 20 points.

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

Similar-size credit unions in Michigan

Yes. Lake Huron Credit Union is a federally insured credit union (NCUA charter #61638). 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 5.3% of shares and deposits ($3.6M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 14.80%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Lake Huron Credit Union lists 3 offices in 2 cities. Most locations:

• Saginaw, MI (2)
• Bay City, MI (1)

All branch addresses and map

In 2025, Lake Huron Credit Union reported 115 home-loan applications under HMDA (LEI 254900ZS27YP5BQKD225): 46 originated ($6,930,000 total), 61 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 56.5%, 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.

Legal name

Lake Huron Credit Union

Type

Federally insured state-chartered credit union

NCUA charter #

61638

RSSD ID

958893

Primary regulator

State + NCUA

Established

1959

Headquarters

P.O. Box 5385, Saginaw, MI 48603

Employees

30