Credit Union Safety Analysis
Is Great Lakes Credit Union Safe? Bannockburn, Illinois
Based on its Q2 2026 NCUA 5300 call report, Great Lakes Credit Union has a net worth ratio of 9.07%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.26%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Great Lakes Credit Union's net worth ratio is 9.07%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.07%
- Delinquency ratio (60+ days) (Q2 2026): 1.26%
- Return on assets (Q2 2026): 0.49%
- Loan-to-share ratio (Q2 2026): 89.93%
Great Lakes Credit Union (NCUA charter 60238, established 1938) reported $1.43B in assets and 100,624 members for Q2 2026 from Bannockburn, Illinois. It ranks 10 of 185 credit unions in Illinois by total assets. Total assets fell 2.0% from $1.46B on June 30, 2025. It has 10,279 fewer members than on June 30, 2025 (-9.3%). Its net worth ratio was up 0.31 percentage points from 8.76% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $732.8M of $1.09B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.26% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 8.89% for Q1 2026; 8.76% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.82% for Q1 2026; 1.17% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.27% for Q1 2026; 0.69% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 87.22% for Q1 2026; 90.83% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $732.8M
- Commercial loans: $213.8M
- Other unsecured loans and lines of credit: $58.9M
- Used vehicle loans: $49.0M
- New vehicle loans: $22.4M
- Other secured non-real estate loans and lines of credit: $5.2M
- Non-federally guaranteed student loans: $3.8M
- Unsecured credit card loans: $8K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.43B | 9.07% | 1.26% | 0.49% | 89.93% |
| March 31, 2026 | $1.44B | 8.89% | 0.82% | 0.27% | 87.22% |
| December 31, 2025 | $1.41B | 9.04% | 1.46% | 0.10% | 91.44% |
| September 30, 2025 | $1.42B | 9.11% | 1.15% | 0.44% | 91.56% |
| June 30, 2025 | $1.46B | 8.76% | 1.17% | 0.69% | 90.83% |
| March 31, 2025 | $1.54B | 8.17% | 0.92% | 0.32% | 89.86% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Great Lakes Credit Union profile
Regulator records: NCUA credit union profile (charter 60238) · FFIEC NIC profile (RSSD 630395)
Frequently asked questions
Is Great Lakes Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Great Lakes Credit Union's net worth ratio is 9.07%, above the 7% NCUA threshold for well capitalized.
Is Great Lakes Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Great Lakes Credit Union is a federally insured credit union (NCUA charter 60238): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Great Lakes Credit Union's key safety ratios?
For Q2 2026, Great Lakes Credit Union reports net worth 9.07%, delinquency 1.26%, ROA 0.49%, loan-to-share 89.93%.
What happens to my money if Great Lakes Credit Union fails?
For Q2 2026, Great Lakes Credit Union held $1.21B in shares and deposits for 100,624 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.