TellerScore

Lakeshore Federal Credit Union (NCUA charter #8709) is based in Muskegon, Michigan. Its Q2 2026 call report shows $45.2M in total assets and $39.9M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Lakeshore Federal Credit Union scores 78/100, which we describe as strong. That is higher than 59% of 2,479 credit unions with under $100 million in assets. Among 169 credit unions headquartered in Michigan, it ranks 57th. Its strongest component is funding & liquidity (100/100; 33% loans-to-deposits, 5% uninsured), and its lowest is earnings (40/100; 0.51%).

TellerScore · Q2 2026

Scorecard

Capital cushion69/100
Net worth ratio: 11.87%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.04%
Earnings40/100
Return on assets (annualized): 0.51%
Funding & liquidity100/100
Loans ÷ shares: 33.1% · 5.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.10%

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 (77 → 78).

TellerScore
717578Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202476
Q4 202478
Q1 202576
Q2 202577
Q3 202571
Q4 202572
Q1 202677
Q2 202678
Net worth ratio
7.00%9.55%12.10%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.10%
Q3 202412.04%
Q4 202412.04%
Q1 202511.78%
Q2 202511.59%
Q3 202511.59%
Q4 202511.74%
Q1 202611.55%
Q2 202611.87%
Delinquent loans (60+ days)
0.00%0.35%0.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.14%
Q3 20240.31%
Q4 20240.05%
Q1 20250.07%
Q2 20250.00%
Q3 20250.70%
Q4 20250.70%
Q1 20260.00%
Q2 20260.04%
Return on assets
0.23%0.37%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.42%
Q3 20240.46%
Q4 20240.43%
Q1 20250.23%
Q2 20250.35%
Q3 20250.38%
Q4 20250.48%
Q1 20260.40%
Q2 20260.51%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$45.2M11.87%0.04%0.51%33.1%
Q1 202677$45.9M11.55%0.00%0.40%32.7%
Q4 202572$44.7M11.74%0.70%0.48%35.0%
Q3 202571$44.5M11.59%0.70%0.38%34.3%
Q2 202577$44.1M11.59%0.00%0.35%35.4%
Q1 202576$42.9M11.78%0.07%0.23%36.1%
Q4 202478$41.8M12.04%0.05%0.43%38.4%
Q3 202476$41.5M12.04%0.31%0.46%38.3%
Q2 202477$40.8M12.10%0.14%0.42%39.1%

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).

Capital ratio11.87%
30th
Problem loans0.04%
84th
Net charge-offs0.13%
54th
Return on assets0.51%
42nd
Loans to deposits33.1%
86th
Uninsured deposits5.0%
21st
Loan-loss reserves0.00%
37th
Texas ratio0.1%
84th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Manistique Federal Credit UnionCredit union Manistique, MI79 out of 100, Strong$44.2M15.8%1.92%vs
Auto-Owners Associates Credit UnionCredit union Lansing, MI96 out of 100, Very strong$43.8M18.6%0.25%vs
Port City Federal Credit UnionCredit union Muskegon, MI80 out of 100, Strong$42.1M12.1%0.04%vs
Chiropractic Federal Credit UnionCredit union Farmington, MI74 out of 100, Strong$41.7M15.0%1.97%vs
Grand Trunk Battle Creek Emp Federal Credit UnionCredit union Battle Creek, MI86 out of 100, Very strong$39.7M20.6%0.72%vs
Tri-Cities Credit UnionCredit union Grand Haven, MI86 out of 100, Very strong$51.3M13.9%0.05%vs

Deposit insurance

Is my money safe at Lakeshore Federal Credit Union?

Yes. Lakeshore Federal Credit Union is a federally insured credit union (NCUA charter #8709). 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 5.0% of shares and deposits ($2.0M) 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 11.87%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Lakeshore Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Lakeshore Federal Credit Union
Type
Federal credit union
NCUA charter #
8709
RSSD ID
383888
Primary regulator
NCUA
Established
1953
Headquarters
2182 Lakeshore Dr, Muskegon, MI 49441
Employees
7

Quick answers

Lakeshore Federal Credit Union: common questions

Is Lakeshore Federal Credit Union NCUA insured?

Yes. Lakeshore Federal Credit Union is a federally insured credit union (NCUA charter #8709). 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 Lakeshore Federal Credit Union's TellerScore?

78 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 Lakeshore Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Muskegon

InstitutionScoreAssetsCapitalProblem loansCompare
Aac Credit UnionCredit union Grand Rapids, MI90 out of 100, Very strong$212.4M24.2%0.36%vs
Service 1 Federal Credit UnionCredit union Muskegon, MI89 out of 100, Very strong$198.5M18.6%0.42%vs
Tri-Cities Credit UnionCredit union Grand Haven, MI86 out of 100, Very strong$51.3M13.9%0.05%vs
Wmcu Credit UnionCredit union Grand Rapids, MI84 out of 100, Strong$455.3M17.3%0.92%vs
Port City Federal Credit UnionCredit union Muskegon, MI80 out of 100, Strong$42.1M12.1%0.04%vs
Route 31 Federal Credit UnionCredit union Muskegon, MI79 out of 100, Strong$104.6M13.2%0.41%vs