B
Lakes Federal Credit Union
Rating Date
July 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Lakes Federal Credit Union
Monticello, IN
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Rating B
Asset Quality Index 8.00
Capitalization Index 10.00
Liquidity Index 5.20
Profitability Index 9.40
Stability Index 7.00
Company Info Lakes Federal Credit Union
Monticello, IN
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NCUA Charter Number 2167
Phone Number (574) 583-5556
Website www.lakesfcu.com
Asset Quality Lakes Federal Credit Union
Monticello, IN
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1-Year Asset Growth 2.73%
5-Year Asset Growth 4.75%
5-Year Charge-Offs to Average Loans 0.29%
Charge-Offs to Average Loans 0.19%
Non-Performing Assets to Assets 0.13%
Non-Performing Loans to Capital 1.35%
Non-Performing Loans to Loans 0.33%
Balance Sheet Lakes Federal Credit Union
Monticello, IN
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Total Assets 26.15M
Total Deposits 22.35M
Capital and Reserves Lakes Federal Credit Union
Monticello, IN
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Capital 3.74M
Leverage Ratio 14.31
Loan Loss Reserves to Loans 0.61%
Liquidity Lakes Federal Credit Union
Monticello, IN
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Hot Money Ratio 1.63%
Liquidity Ratio 30.52%
Profitability Lakes Federal Credit Union
Monticello, IN
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5-Year Return on Average Assets 1.20%
Net Income 268.00K
Net Interest Spread 4.93%
Operating Profit to Average Assets 2.11%
Overhead Efficiency Ratio 62.11%
Return on Assets 2.04%
Return on Equity 14.88%