LAKES
Federal • Monticello, Indiana • Est. 1956
Quick Facts
- Charter Number
- #10772
- Type
- Federal
- Established
- 1956
- Headquarters
- Monticello, Indiana 47960-1537
- Address
- 106 Rickey Rd
- Branches
- 1
- ATMs
- 1
- Members
- 3,020
- 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
3,020 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | LAKES |
|---|---|
| Total Assets | $25.9M |
| Members | 3,020 |
| Loans Outstanding | $15.8M |
| Shares & Deposits | $21.8M |
| Net Worth | $4.0M |
| Net Worth Ratio | 15.45% |
| Loan-to-Share Ratio | 72.2% |
| Delinquency Rate | 0.09% |
| Net Income | +$550,818 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location · 1 ATMs
Lakes Federal Credit Union
Main Office106 Rickey Rd
Monticello, IN 47960-1537
Who Can Join LAKES?
Membership Type: Other/Unknown
Membership eligibility for LAKES may vary. Contact the credit union directly to confirm qualification requirements.
Contact LAKES directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Indiana RankingsFrequently Asked Questions
Yes. 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, LAKES has 3,020 members and a potential membership field of 12,000 people.
LAKES's net worth ratio is 15.45% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 15.4%, LAKES meets this threshold.
LAKES operates 1 branch location and has access to 1 ATMs. The main office is located at 106 Rickey Rd, Monticello, IN 47960-1537.
LAKES was established in 1956. It is a federal credit union chartered under charter number 10772. The institution has been serving members for 70 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or LAKES. All financial data is for informational purposes only.