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LAKE TRUST

Brighton, MI · State Credit Union · Chartered in MI

LICUWell Capitalized

Who can join

State government employees (special charter)

Charter #62047Est. 1944RSSD: 794091

Members

180,917

Net Worth Ratio

10.66%

min. 7% = Well Capitalized

Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.

At a Glance

Total Assets

$2.87B

Peer Group 6

Members

180,917

as of latest quarter

Net Worth Ratio

10.66%

Well Capitalized

Institution Profile

NCUA

Address

4605 S Old Us Highway 23, Brighton, MI 48114-7521

Chartered

1944

Branch Locations

24 locations

Membership Eligibility

State government employees (special charter)

Financial Snapshot

As of Q1 2026NCUA 5300 Call Report

Total Assets

$2.87B

Total Shares

$2.54B

Total Loans

$2.14B

Net Worth Ratio

10.66%

≥7% = Well Capitalized

Members

180,917

Delinquency Rate (60d+)

0.76%

$16.1M

Loan-to-share ratio: 84.0%· healthy range 60–80%

Branch Locations

NCUA

Headquarters

4605 S Old US Highway 23, Brighton, MI, 48114-7521

Mon-Fri 7am-7pm; Sat 9am-1pm

Main

Ann Arbor - Packard Branch

2222 Packard St, Ann Arbor, MI, 48104-6368

Mon - Thu: 9am-5:30pm; Fri 9am-6pm; Sat 9am-1pm; ATM with Deposit (24/7)

ATM

Auburn Hills Branch

2550 N Squirrel Rd, Auburn Hills, MI, 48326-2383

Mon-Thu 9am-5:30pm; Fri 9am-6pm; Sat 9am-1pm; ATM with Deposit (24/7)

Chelsea Branch

1170 S Main St Ste 100, Chelsea, MI, 48118-1472

Mon-Thu 9am-5:30pm; Fri 9am-6pm; Sat 9am-1pm; ATM with Deposit (24/7)

ATM

Dewitt

12750 Escanaba Dr, Dewitt, MI, 48820

Mon-Thu 9am-5:30pm; Fri 9am-6pm; Sat 9am-1pm; Drive Thru same hours; ATM with Deposit (24/7)

ATMDrive-thru

Grand Haven

17350 Robbins Rd, Grand Haven, MI, 49417

Mon-Thu 9am-5:30pm; Fri 9am-6pm: Sat 9am-1pm; Drive thru VTM Mon-Fri 7am-7pm; Sat 9am-1pm; ATM with Deposit (24/7)

ATMDrive-thru

Holland

3370 W Shore Dr, Holland, MI, 49424-7753

Mon-Thu 9am-5:30pm; Fri 9am-6pm; Sat 9am-1pm; Drive thru VTM Mon-Fri 7am-7pm; Sat 9am-1pm; ATM with Deposit (24/7)

ATMDrive-thru

South Lansinig

6440 S Pennsylvania Ave, Lansing, MI, 48911

Mon-Thu 9am-5:30pm; Fri 9am-6pm; Sat 9am-1pm; Drive thru same hours; ATM with Deposit (24/7)

ATMDrive-thru

West Saginaw

7007 W Saginaw Hwy, Lansing, MI, 48917

Mon-Thu 9am-5:30pm; Fri 9am-6pm; Sat 9am-1pm; Drive Thru same hours; ATM with Deposit (24/7)

ATMDrive-thru

Mount Pleasant

1011 N Harris St, Mount Pleasant, MI, 48858

Mon-Thu 9am-5:30pm; Fri 9am-6pm; Sat 9am-1pm; ATM with Deposit (24/7)

ATM

14 more locations not shown.

Mortgage Lending (HMDA)

CFPB HMDA

Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.

Consumer Complaints

CFPB / NCUA

No CFPB complaint data available for this credit union.

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Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.