LAKESHORE
Federal • Muskegon, Michigan • Est. 1953
Quick Facts
- Charter Number
- #8709
- Type
- Federal
- Established
- 1953
- Headquarters
- Muskegon, Michigan 49441-1414
- Address
- 2182 Lakeshore Dr
- Branches
- 1
- ATMs
- 1
- Members
- 2,613
- 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
2,613 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | LAKESHORE |
|---|---|
| Total Assets | $44.7M |
| Members | 2,613 |
| Loans Outstanding | $13.7M |
| Shares & Deposits | $39.2M |
| Net Worth | $5.2M |
| Net Worth Ratio | 11.74% |
| Loan-to-Share Ratio | 35.0% |
| Delinquency Rate | 0.70% |
| Net Income | +$261,946 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location · 1 ATMs
Lakeshore Federal Credit Union
Main Office2182 Lakeshore Dr
Muskegon, MI 49441-1414
Who Can Join LAKESHORE?
Membership Type: Other/Unknown
Membership eligibility for LAKESHORE may vary. Contact the credit union directly to confirm qualification requirements.
Contact LAKESHORE 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. LAKESHORE 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, LAKESHORE has 2,613 members and a potential membership field of 174,815 people.
LAKESHORE's net worth ratio is 11.74% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.7%, LAKESHORE meets this threshold.
LAKESHORE operates 1 branch location and has access to 1 ATMs. The main office is located at 2182 Lakeshore Dr, Muskegon, MI 49441-1414.
LAKESHORE was established in 1953. It is a federal credit union chartered under charter number 8709. The institution has been serving members for 73 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or LAKESHORE. All financial data is for informational purposes only.