Credit union · NCUA insured
GREAT LAKES
Top CarrotA $60.1M credit union headquartered in Bay City, MI, with 4,437 members and 3 branches in Michigan. Best rates: CDs 3.85% and savings 2.00% APY.
GREAT LAKES Carrot Score
Carrot ScoreTop Carrot
Higher than 83% of U.S. banks and credit unions
#5 of 16 in Bay City, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About GREAT LAKES
- Headquarters
- 415 Washington Ave, Bay City, MI 48708-5712
- NCUA charter
- 24874
Branches
3 branches in Michigan
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Michigan
3 branches
Bay City area · 2
- Great Lake FCUMain office415 Washington Ave, Bay City, MI 48708Directions
- Great Lakes FCU1002 W Indiana St, Bay City, MI 48706Directions
Saginaw area · 1
- Great Lakes FCU9315 Tiffany Blvd, Birch Run, MI 48415Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.89% | 14.28% | 19.18% or more |
| Troubled loans60+ days late | 0.05% | 0.65% | 0.14% or less |
| ProfitabilityReturn on assets | -0.10% | 0.61% | 1.17% or more |
| LendingLoans per $100 deposited | $50 | $59 | — |
- CapitalNet worth ratio11.89%Peers’ middle 14.28% · Top 25% 19.18%+
- Troubled loans60+ days late0.05%Peers’ middle 0.65% · Top 25% ≤0.14%
- ProfitabilityReturn on assets-0.10%Peers’ middle 0.61% · Top 25% 1.17%+
- LendingLoans per $100 deposited$50Peers’ middle $59
Compared with the 2,508 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of GREAT LAKES are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.