GREAT LAKES
Federal • Bay City, Michigan • Est. 1963
Quick Facts
- Charter Number
- #24874
- Type
- Federal
- Established
- 1963
- Headquarters
- Bay City, Michigan 48708
- Address
- 415 Washington Avenue
- Branches
- 4
- Members
- 4,479
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
4,479 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | GREAT LAKES |
|---|---|
| Total Assets | $59.8M |
| Members | 4,479 |
| Loans Outstanding | $26.1M |
| Shares & Deposits | $49.9M |
| Net Worth | $7.2M |
| Net Worth Ratio | 11.98% |
| Loan-to-Share Ratio | 52.3% |
| Delinquency Rate | 0.46% |
| Net Income | +$367,173 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
4 locations
Great Lake FCU
Main Office415 Washington Ave
Bay City, MI 48708-5712
Great Lakes FCU
1002 W Indiana St
Bay City, MI 48706-4200
Great Lakes FCU
9315 Tiffany Blvd
Birch Run, MI 48415-9442
CU Answers
6000 28th St SE Ste 100
Grand Rapids, MI 49546
Who Can Join GREAT LAKES?
Membership Type: Other/Unknown
Membership eligibility for GREAT LAKES may vary. Contact the credit union directly to confirm qualification requirements.
Contact GREAT LAKES directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Michigan RankingsFrequently Asked Questions
Yes. GREAT LAKES is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, GREAT LAKES has 4,479 members and a potential membership field of 290,887 people.
GREAT LAKES's net worth ratio is 11.98% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 12.0%, GREAT LAKES meets this threshold.
GREAT LAKES operates 4 branch locations. The main office is located at 415 Washington Ave, Bay City, MI 48708-5712.
GREAT LAKES was established in 1963. It is a federal credit union chartered under charter number 24874. The institution has been serving members for 63 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or GREAT LAKES. All financial data is for informational purposes only.