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
- 3,014
- Membership Type
- Other/Unknown
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
3,014 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | LAKES |
|---|---|
| Total Assets | $27.5M |
| Members | 3,014 |
| Loans Outstanding | $15.6M |
| Shares & Deposits | $23.4M |
| Net Worth | $4.1M |
| Net Worth Ratio | 15.01% |
| Loan-to-Share Ratio | 66.8% |
| Delinquency Rate | 0.82% |
| Net Income | +$135,550 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in Indiana
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Indiana RankingsFrequently Asked Questions
LAKES is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, LAKES has 3,014 members and a potential membership field of 12,000 people.
LAKES's reported net worth ratio is 15.01% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or LAKES. All financial data is for informational purposes only.