Lake Superior Credit Union (NCUA charter #65085) is based in Ontonagon, Michigan. Its Q2 2026 call report shows $11.2M in total assets and $9.5M in member shares and deposits and 1 office.
Based on its Q2 2026 filing, Lake Superior Credit Union scores 96/100, which we describe as very strong. That is higher than 97% of 2,479 credit unions with under $100 million in assets. Among 169 credit unions headquartered in Michigan, it ranks 4th. Its five components are fairly even, ranging from 93 to 100 out of 100.
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score rose 7 points (89 → 96), mostly because the capital cushion component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 86 |
| Q3 2024 | 88 |
| Q4 2024 | 88 |
| Q1 2025 | 91 |
| Q2 2025 | 89 |
| Q3 2025 | 92 |
| Q4 2025 | 90 |
| Q1 2026 | 96 |
| Q2 2026 | 96 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.61% |
| Q3 2024 | 11.22% |
| Q4 2024 | 12.04% |
| Q1 2025 | 12.23% |
| Q2 2025 | 12.86% |
| Q3 2025 | 13.38% |
| Q4 2025 | 13.83% |
| Q1 2026 | 14.00% |
| Q2 2026 | 14.32% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.08% |
| Q3 2024 | 0.07% |
| Q4 2024 | 0.34% |
| Q1 2025 | 0.05% |
| Q2 2025 | 0.52% |
| Q3 2025 | 0.38% |
| Q4 2025 | 0.66% |
| Q1 2026 | 0.06% |
| Q2 2026 | 0.17% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.88% |
| Q3 2024 | 3.03% |
| Q4 2024 | 3.01% |
| Q1 2025 | 2.37% |
| Q2 2025 | 2.46% |
| Q3 2025 | 2.54% |
| Q4 2025 | 2.39% |
| Q1 2026 | 1.90% |
| Q2 2026 | 2.19% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 96 | $11.2M | 14.32% | 0.17% | 2.19% | 61.9% |
| Q1 2026 | 96 | $10.9M | 14.00% | 0.06% | 1.90% | 58.5% |
| Q4 2025 | 90 | $10.7M | 13.83% | 0.66% | 2.39% | 60.5% |
| Q3 2025 | 92 | $10.6M | 13.38% | 0.38% | 2.54% | 57.7% |
| Q2 2025 | 89 | $10.5M | 12.86% | 0.52% | 2.46% | 56.9% |
| Q1 2025 | 91 | $10.5M | 12.23% | 0.05% | 2.37% | 53.7% |
| Q4 2024 | 88 | $10.1M | 12.04% | 0.34% | 3.01% | 56.7% |
| Q3 2024 | 88 | $10.2M | 11.22% | 0.07% | 3.03% | 57.0% |
| Q2 2024 | 86 | $10.1M | 10.61% | 0.08% | 2.88% | 54.8% |
2,479 peers · Under $100 million in assets
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).
Similar-size credit unions in Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Muskegon St Joseph Federal Credit UnionCredit union Muskegon, MI | 67 out of 100, Moderate | $12.4M | 11.1% | 0.89% | vs |
| Northern Lights Community Federal Credit UnionCredit union Chatham, MI | 70 out of 100, Strong | $12.9M | 9.8% | 1.67% | vs |
| Rock Community Federal Credit UnionCredit union Rock, MI | 69 out of 100, Moderate | $9.1M | 8.7% | 0.04% | vs |
| Westacres Credit UnionCredit union West Bloomfield, MI | 82 out of 100, Strong | $7.1M | 13.5% | 0.00% | vs |
| West Michigan Postal Service Federal Credit UnionCredit union Muskegon, MI | 65 out of 100, Moderate | $7.1M | 13.7% | 2.41% | vs |
| International Uaw Federal Credit UnionCredit union Detroit, MI | 60 out of 100, Moderate | $19.5M | 15.8% | 3.78% | vs |
Deposit insurance
Is my money safe at Lake Superior Credit Union?
Yes. Lake Superior Credit Union is a federally insured credit union (NCUA charter #65085). 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 1.2% of shares and deposits ($113K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 14.32%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Lake Superior Credit Union lists 1 office in 1 city. Most locations:
- Ontonagon, MI (1)
Identity & history
Profile
- Legal name
- Lake Superior Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 65085
- RSSD ID
- 179090
- Primary regulator
- State + NCUA
- Established
- 1959
- Headquarters
- P.O. Box 38, Ontonagon, MI 49953
- Employees
- 4
Quick answers
Lake Superior Credit Union: common questions
Is Lake Superior Credit Union NCUA insured?
Yes. Lake Superior Credit Union is a federally insured credit union (NCUA charter #65085). 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 Lake Superior Credit Union's TellerScore?
96 out of 100 (Very strong), 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 Lake Superior Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Ontonagon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Settlers Federal Credit UnionCredit union Bruce Crossing, MI | 92 out of 100, Very strong | $37.8M | 19.7% | 0.79% | vs |
| Zeal Credit UnionCredit union Livonia, MI | 83 out of 100, Strong | $1.1B | 19.8% | 1.50% | vs |
| The Miners State BankBank Iron River, MI | 82 out of 100, Strong | $134.8M | 12.2% | 0.00% | vs |
| Citizens State BankBank Royal Oak, MI | 70 out of 100, Strong | $581.0M | 8.6% | 0.18% | vs |