TellerScore

Headquartered in Brighton, Michigan, Lake Trust Credit Union is a federally insured state-chartered credit union with $2.9B in total assets and $2.5B in member shares and deposits as of Q2 2026. It operates 16 offices. Its charter dates back to 1944.

Lake Trust Credit Union has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 30% of its 454 credit unions with $1 billion – $10 billion. Among 169 credit unions headquartered in Michigan, it ranks 145th. Problem-loan coverage contributes the most (85/100, 7.5%); earnings contributes the least (48/100, 0.70%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Net worth ratio: 10.84%
Loan quality65/100
Loans 60+ days delinquent ÷ total loans: 1.06%
Earnings48/100
Return on assets (annualized): 0.70%
Funding & liquidity69/100
Loans ÷ shares: 86.6% · 19.4% uninsured
Problem-loan coverage85/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.46%

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 (62 → 62).

TellerScore
606263Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202461
Q4 202461
Q1 202562
Q2 202562
Q3 202562
Q4 202560
Q1 202661
Q2 202662
Net worth ratio
7.00%9.03%11.06%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.62%
Q3 202410.82%
Q4 202410.88%
Q1 202510.83%
Q2 202510.84%
Q3 202511.06%
Q4 202510.85%
Q1 202610.66%
Q2 202610.84%
Delinquent loans (60+ days)
0.86%1.02%1.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.86%
Q3 20241.04%
Q4 20241.01%
Q1 20250.98%
Q2 20251.00%
Q3 20251.05%
Q4 20251.17%
Q1 20261.02%
Q2 20261.06%
Return on assets
0.43%0.56%0.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.47%
Q3 20240.46%
Q4 20240.43%
Q1 20250.49%
Q2 20250.56%
Q3 20250.60%
Q4 20250.57%
Q1 20260.54%
Q2 20260.70%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$2.9B10.84%1.06%0.70%86.6%
Q1 202661$2.9B10.66%1.02%0.54%84.0%
Q4 202560$2.8B10.85%1.17%0.57%87.0%
Q3 202562$2.7B11.06%1.05%0.60%88.7%
Q2 202562$2.7B10.84%1.00%0.56%86.1%
Q1 202562$2.7B10.83%0.98%0.49%84.0%
Q4 202461$2.6B10.88%1.01%0.43%87.1%
Q3 202461$2.6B10.82%1.04%0.46%86.0%
Q2 202463$2.7B10.62%0.86%0.47%83.3%

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 ratio10.84%
49th
Problem loans1.06%
24th
Net charge-offs0.66%
34th
Return on assets0.70%
38th
Loans to deposits86.6%
54th
Uninsured deposits19.4%
5th
Loan-loss reserves0.00%
50th
Texas ratio7.5%
24th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Consumers Credit UnionCredit union Oshtemo, MI65 out of 100, Moderate$2.9B9.4%0.40%vs
Dow Credit UnionCredit union Midland, MI73 out of 100, Strong$2.6B10.1%0.29%vs
Elga Credit UnionCredit union Grand Blanc, MI75 out of 100, Strong$2.5B17.8%1.38%vs
Dort Financial Credit UnionCredit union Grand Blanc, MI64 out of 100, Moderate$2.4B10.4%0.57%vs
Community Choice Credit UnionCredit union Farmington Hill, MI67 out of 100, Moderate$2.1B9.5%0.75%vs
Honor Credit UnionCredit union Berrien Springs, MI70 out of 100, Strong$1.9B12.2%0.92%vs

Deposit insurance

Is my money safe at Lake Trust Credit Union?

Yes. Lake Trust Credit Union is a federally insured credit union (NCUA charter #62047). 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 19.4% of shares and deposits ($493.5M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 10.84%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

16 locations

Branches

Lake Trust Credit Union lists 16 offices in 14 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Lake Trust Credit Union reported 953 home-loan applications under HMDA (LEI 254900RQGXH1N2N6D695): 522 originated ($108,640,000 total), 418 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 44.1%, 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.

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Platinum Elite—$0$251.0%

All Lake Trust Credit Union card terms

Identity & history

Profile

Legal name
Lake Trust Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62047
RSSD ID
794091
Primary regulator
State + NCUA
Established
1944
Headquarters
4605 S Old US Highway 23, Brighton, MI 48114
Employees
518

Quick answers

Lake Trust Credit Union: common questions

Is Lake Trust Credit Union NCUA insured?

Yes. Lake Trust Credit Union is a federally insured credit union (NCUA charter #62047). 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 Trust Credit Union's TellerScore?

62 out of 100 (Moderate), 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 Trust Credit Union have?

16 offices as of the latest NCUA data.