Headquartered in Monticello, Indiana, Lakes Federal Credit Union is a federal credit union with $28.0M in total assets and $23.7M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1956.
Lakes Federal Credit Union has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Indiana, it ranks 22nd. Capital cushion contributes the most (100/100, 15.19%); earnings contributes the least (61/100, 1.04%).
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 fell 11 points (94 → 83), mostly because the earnings component weakened by 39 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 73 |
| Q4 2024 | 83 |
| Q1 2025 | 91 |
| Q2 2025 | 94 |
| Q3 2025 | 92 |
| Q4 2025 | 97 |
| Q1 2026 | 80 |
| Q2 2026 | 83 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.69% |
| Q3 2024 | 13.22% |
| Q4 2024 | 13.42% |
| Q1 2025 | 13.54% |
| Q2 2025 | 14.31% |
| Q3 2025 | 15.14% |
| Q4 2025 | 15.45% |
| Q1 2026 | 15.01% |
| Q2 2026 | 15.19% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.51% |
| Q3 2024 | 2.02% |
| Q4 2024 | 1.22% |
| Q1 2025 | 0.33% |
| Q2 2025 | 0.22% |
| Q3 2025 | 0.60% |
| Q4 2025 | 0.09% |
| Q1 2026 | 0.82% |
| Q2 2026 | 0.92% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.41% |
| Q3 2024 | 1.66% |
| Q4 2024 | 3.22% |
| Q1 2025 | 1.95% |
| Q2 2025 | 2.05% |
| Q3 2025 | 2.05% |
| Q4 2025 | 2.07% |
| Q1 2026 | 0.50% |
| Q2 2026 | 1.04% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 83 | $28.0M | 15.19% | 0.92% | 1.04% | 65.5% |
| Q1 2026 | 80 | $27.5M | 15.01% | 0.82% | 0.50% | 66.8% |
| Q4 2025 | 97 | $25.9M | 15.45% | 0.09% | 2.07% | 72.2% |
| Q3 2025 | 92 | $25.5M | 15.14% | 0.60% | 2.05% | 74.0% |
| Q2 2025 | 94 | $26.1M | 14.31% | 0.22% | 2.05% | 71.3% |
| Q1 2025 | 91 | $26.6M | 13.54% | 0.33% | 1.95% | 67.0% |
| Q4 2024 | 83 | $25.9M | 13.42% | 1.22% | 3.22% | 67.0% |
| Q3 2024 | 73 | $25.5M | 13.22% | 2.02% | 1.66% | 65.3% |
| Q2 2024 | 75 | $25.5M | 12.69% | 1.51% | 1.41% | 59.4% |
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 Indiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Financial Health Federal Credit UnionCredit union Indianapolis, IN | 46 out of 100, Below average | $30.2M | 10.4% | 2.20% | vs |
| Weatherhead C C Federal Credit UnionCredit union Columbia City, IN | 88 out of 100, Very strong | $25.0M | 13.7% | 0.95% | vs |
| Jackson County Co-Op Credit UnionCredit union Seymour, IN | 92 out of 100, Very strong | $31.3M | 18.4% | 0.00% | vs |
| Martin County CooperativeCredit union Loogootee, IN | 67 out of 100, Moderate | $24.6M | 16.6% | 2.74% | vs |
| Howard County School Em Federal Credit UnionCredit union Kokomo, IN | 73 out of 100, Strong | $31.4M | 18.1% | 1.51% | vs |
| Central Soya Federal Credit UnionCredit union Decatur, IN | 87 out of 100, Very strong | $33.2M | 18.4% | 0.19% | vs |
Deposit insurance
Is my money safe at Lakes Federal Credit Union?
Yes. Lakes Federal Credit Union is a federally insured credit union (NCUA charter #10772). 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 0.0% of shares and deposits ($0) 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 15.19%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Lakes Federal Credit Union lists 1 office in 1 city. Most locations:
- Monticello, IN (1)
Identity & history
Profile
- Legal name
- Lakes Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 10772
- RSSD ID
- 773984
- Primary regulator
- NCUA
- Established
- 1956
- Headquarters
- 106 Rickey Rd, Monticello, IN 47960
- Employees
- 6
Quick answers
Lakes Federal Credit Union: common questions
Is Lakes Federal Credit Union NCUA insured?
Yes. Lakes Federal Credit Union is a federally insured credit union (NCUA charter #10772). 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 Lakes Federal Credit Union's TellerScore?
83 out of 100 (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 Lakes Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Monticello
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Alliance BankBank Francesville, IN | 88 out of 100, Very strong | $454.8M | 12.4% | 0.01% | vs |
| Bank of WolcottBank Wolcott, IN | 81 out of 100, Strong | $280.3M | 12.0% | 0.43% | vs |
| The First National Bank of MontereyBank Monterey, IN | 81 out of 100, Strong | $430.5M | 13.1% | 0.37% | vs |
| Beacon Credit UnionCredit union Wabash, IN | 76 out of 100, Strong | $1.8B | 13.5% | 0.47% | vs |
| 1st Source BankBank South Bend, IN | 75 out of 100, Strong | $9.3B | 13.7% | 0.99% | vs |
| Lake City BankBank Warsaw, IN | 73 out of 100, Strong | $7.2B | 11.9% | 0.36% | vs |