Lake Superior Credit Union

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Overview / Commentary

www.lscu.virtualcu.net

906-884-2069

801 River St
Ontonagon, MI 49953-1620

Lake Superior Credit Union is headquartered in Ontonagon and is the 216^th largest credit union in the state of Michigan. It is also the 4,522^nd largest credit union in the nation. It was established in 1959 and as of June of 2018, it had grown to 4 employees and 1,197 members at 1 location. Lake Superior Credit Union has a C+ health rating.

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Health

C+

Data as of Q2 2018

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Lake Superior Credit Union has a very low asset base.

Health Grade Components

Overall
NCUA #	65085
Year Chartered	1959
Employees	4
Primary Regulator

Profit Margin
Return on Assets - YTD	0.56%
Return on Equity - YTD	7.26%
Annual Interest Income	$82.00K

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$6.1MM$6.0MM
Loans	Q2 2018vs Q2 2017	$2.7MM$2.6MM
Deposits	Q2 2018vs Q2 2017	$5.6MM$5.6MM
Equity Capital	Q2 2018vs Q2 2017	$468.00K$458.00K
Loan Loss Allowance	Q2 2018vs Q2 2017	$13.00K$11.00K
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$15.00K$8.00K
Real Estate Owned	Q2 2018vs Q2 2017	$0$0

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Lake Superior Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$2.5k^*	-	17 Sub-Account
OTHER TIERS: 0.15% → Up to $1k \| 0.20% → $1k - $2.5k
0.15%	-	-	Regular Savings Account
0.15%	-	-	Christmas Club Account
0.15%	-	-	01 Sub-Account
0.15%	-	-	02 Sub-Account

Lake Superior Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	$500	-	6 Month CD
0.25%	$500	-	12 to 60 Month CD
0.15%	$500	-	3 Month CD

Locations

Lake Superior Credit Union Locations
Branch Office	801 River St	Ontonagon, MI 49953-1620

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