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The Lender Report built this page from public records. Lake Trust Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Lake Trust Credit Union itself. Each figure shows its source and date. Work at Lake Trust Credit Union? You can claim this page for free.

Credit union, Brighton, MI

Lake Trust Credit Union

A credit union based in Brighton, MI. Its commercial book is led by non-owner-occupied CRE and owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 7(a), SBA 504 and real-estate-secured commercial loans it made.

Kind: Credit union
Data as of: June 30, 2026
Page last changed: November 11, 2026

Commercial book: $531M; NCUA 5300, Jun 30, 2026; Holds, not loans made
Commercial loans made, H1 2026: 45; NCUA 5300, Jun 30, 2026; Real-estate-secured
SBA loans, 36 months: 22; SBA FOIA, Sep 30, 2026; 7(a) and 504, net of cancelled
Total assets: $2.88B; NCUA 5300, Jun 30, 2026

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How to reach them

Each line shows where it came from

Phone: 888-267-7200 From the NCUA record, June 30, 2026.
Website: www.laketrust.orgFrom the NCUA record, November 9, 2026.
Commercial lending page: laketrust.orgFrom the lender's website, retrieved November 11, 2026.
Names it files under: LAKE TRUST; Lake Trust CUNCUA 5300, Jun 30, 2026
Address: 4605 S Old US Highway 23, Brighton, MI 48114-7521NCUA 5300, Jun 30, 2026
Regulator record: NCUA profile

You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union. Designated low-income by NCUA.

Recently done

Recorded lending

Recorded lending. Two or more public files show loans this lender made.

What changed. Lake Trust Credit Union's Owner-occupied CRE balance rose 12.6% to $154.2M in the quarter ended June 30, 2026. NCUA 5300, Jun 30, 2026

What the public record shows, newest first
When	What the record shows	Source
Oct 2023 to Sep 2026	SBA 7(a) approvals by processing method: 6 SBA Express.SBA ProcessingMethod field, net of cancellations.	SBA FOIA, Sep 30, 2026
Jun 2025 to Jun 2026	Non-owner-occupied CRE balance rose 6.8% to $200.7M in the year to June 30, 2026.Balances, not originations. Year over year from call reports.	NCUA 5300
Jun 2025 to Jun 2026	Owner-occupied CRE balance rose 6.2% to $154.2M in the year to June 30, 2026.Balances, not originations. Year over year from call reports.	NCUA 5300
Jun 2025 to Jun 2026	Multifamily balance rose 4.5% to $138.8M in the year to June 30, 2026.Balances, not originations. Year over year from call reports.	NCUA 5300

Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.

Lake Trust Credit UnionNewest first
Period	Place	Loan	Amount	Rate	Term	Source
Sep 2026	Michigan	SBA 7(a), Full-Service Restaurants	$250K	8.5%	6 yr	SBA FOIA
Sep 2026	Michigan	SBA 7(a), All Other Specialty Trade Contractors	$95K	8.5%	10 yr	SBA FOIA
Jun 2026	Michigan	SBA 7(a), Offices of Chiropractors	$190K	9.5%	10 yr	SBA FOIA
Jun 2026	Michigan	SBA 7(a), Offices of Chiropractors	$50K	9.5%	8 yr	SBA FOIA
Apr 2026	Michigan	SBA 7(a), Offices of Chiropractors	$500K	8%	20 yr	SBA FOIA
Mar 2026	Michigan	SBA 7(a), Mobile Food Services	$250K	9.5%	10 yr	SBA FOIA
2025	Ingham County, MI	Purchase, 150 or more units	$54M	6.5%	10 yr	HMDA 2025
2025	Ingham County, MI	Purchase, 5 to 24 units	$5.6M	7.1%	5 yr	HMDA 2025
2025	Wayne County, MI	Cash-out refinance, 50 to 99 units	$4.6M	6.85%	10 yr	HMDA 2025
2025	Wayne County, MI	Cash-out refinance, 5 to 24 units	$3M	7.2%	5 yr	HMDA 2025
2025	Saginaw County, MI	Refinance, 50 to 99 units	$1.9M	7.02%	5 yr	HMDA 2025
2025	Wayne County, MI	Cash-out refinance, 5 to 24 units	$800K	6.95%	10 yr	HMDA 2025
2025	Wayne County, MI	Improvement, 5 to 24 units	$720K	6.5%	10 yr	HMDA 2025
2025	Lenawee County, MI	Purchase, 5 to 24 units	$540K	7.15%	10 yr	HMDA 2025
2025	Wayne County, MI	Purchase, 5 to 24 units	$300K	7.05%	5 yr	HMDA 2025
Sep 2025	Michigan	SBA 7(a), Florists	$420K	9.5%	17 yr	SBA FOIA
Sep 2025	Michigan	SBA 7(a), All Other Specialty Trade Contractors	$200K	9.75%	10 yr	SBA FOIA
Apr 2025	Michigan	SBA 7(a), Motor Vehicle Towing	$200K	9.75%	10 yr	SBA FOIA
Mar 2025	Michigan	SBA 7(a), Full-Service Restaurants	$540K	8.75%	20 yr	SBA FOIA
Feb 2025	Michigan	SBA 7(a), Offices of Chiropractors	$160K	9.5%	10 yr	SBA FOIA
Jan 2025	Michigan	SBA 7(a), General Automotive Repair	$270K	9.75%	10 yr	SBA FOIA
Dec 2024	Michigan	SBA 7(a), Full-Service Restaurants	$380K	9.5%	10 yr	SBA FOIA
Nov 2024	Michigan	SBA 7(a), Site Preparation Contractors	$250K	8.25%	6 yr	SBA FOIA
Oct 2024	Michigan	SBA 7(a), Security Guards and Patrol Services	$500K	8.5%	10 yr	SBA FOIA
Feb 2024	Michigan	SBA 504, Full-Service Restaurants	$850K		25 yr	SBA FOIA
19 SBA 7(a) loans since October 2023, net of cancelled			$6.62M	SBA FOIA

A blank means the source did not report it.

What it holds

NCUA 5300, June 30, 2026

Commercial book on the latest filing
Book	Holds	Of its loans	Year over year	Loans	Average
Multifamily	$139M	6.3%	+4.5%	70	$1.98M
Construction and land development	$20.1M	0.9%	-0.5%	13	$1.55M
Owner-occupied CRE	$154M	7.0%	+6.2%	138	$1.12M
Non-owner-occupied CRE	$201M	9.1%	+6.8%	164	$1.22M
Farmland	$0	0.0%	Not reported	0	Not reported
Commercial and industrial	$17.4M	0.8%	+17.1%	71	$245K
Other real-estate-secured commercial	$0	0.0%	Not reported	Not reported	Not reported
Commercial total	$531M

NCUA 5300, Jun 30, 2026

Table

Commercial book by quarter
Quarter	Commercial book
Q3 2023	$372M
Q4 2023	$397M
Q1 2024	$402M
Q2 2024	$411M
Q3 2024	$432M
Q4 2024	$459M
Q1 2025	$466M
Q2 2025	$501M
Q3 2025	$498M
Q4 2025	$500M
Q1 2026	$504M
Q2 2026	$531M

NCUA 5300, Jun 30, 2026

Loans on record, by kind
Kind of loan	Period	Loans made	Dollars	Typical size	Largest	Source
Multifamily, 5 or more units	2025	9	$71.5M	$1.85M	$54M	HMDA, 2025
1-4 unit investor or business purpose	2025	1	$1.5M	$1.5M		HMDA, 2025
SBA 7(a), net of cancelled	36 months to Sep 2026	19	$6.62M	$252K	$1.1M	SBA FOIA, Sep 30, 2026
SBA 7(a), net of cancelled	12 months to Sep 2026	6	$1.33M			SBA FOIA, Sep 30, 2026
SBA 504 first lien, net of cancelled	36 months to Sep 2026	3	$2.00M	$680K	$850K	SBA FOIA, Sep 30, 2026
Real-estate-secured commercial	First half of 2026	45	$92.4M			NCUA 5300, Jun 30, 2026
Multifamily	First half of 2026	7	$13.0M			NCUA 5300, Jun 30, 2026
Construction	First half of 2026	6	$26.8M			NCUA 5300, Jun 30, 2026
Owner-occupied CRE	First half of 2026	15	$26.0M			NCUA 5300, Jun 30, 2026
Non-owner-occupied CRE	First half of 2026	17	$26.7M			NCUA 5300, Jun 30, 2026
C&I	First half of 2026	7	$3.42M			NCUA 5300, Jun 30, 2026

How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its NCUA charter number. SBA 504 first liens: its name and state.

Average loan on the books, by kind
Book	Average loan
Construction and land development	$1.55M
Multifamily	$1.98M
Owner-occupied CRE	$1.12M
Non-owner-occupied CRE	$1.22M
Commercial and industrial	$245K

NCUA 5300, Jun 30, 2026

SBA loans by industry, 36 months
Industry	Loans	Dollars
Full-Service Restaurants	5	$2.54M

SBA FOIA, Sep 30, 2026

Other lenders in these fields: SBA lenders for restaurants.

Programs on record: Federal Home Loan Bank member, Indianapolis district (FHFA).

Where it lends

Offices beside loans on record

Offices and recorded loans by state
State	Offices	Multifamily 2025	1-4 investor 2025	SBA 7(a) 36 mo.	SBA 504 36 mo.
Michigan HQ	24	9	1	19	3

NCUA, Jun 30, 2026HMDA, 2025SBA FOIA, Sep 30, 2026

Counties with the most recorded loans (5 or more)
County	Recorded loans	Dollars
Wayne County, MI	5	$9.44M

HMDA, 2025SBA FOIA, Sep 30, 2026

Metro areas with the most recorded loans (5 or more)
Metro	Recorded loans	Dollars
Detroit-Dearborn-Livonia, MI	5	$9.44M

HMDA, 2025SBA FOIA, Sep 30, 2026

Capacity. Not a rating

Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.

Lending capacity measures, with peers
Measure	This lender	Its peers	How it is worked out	Source
Business loan cap	$353M	$183M to $540M across 8 peers	Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union.	NCUA 5300, Jun 30, 2026 12 CFR 723.8, Jun 30, 2026
Business loans outstanding	$508M	$27.1M to $759M across 8 peers	Net member business loans, as reported on Form 5300.	NCUA 5300, Jun 30, 2026
Cap used	143.9%	14.9% to 253.4% across 8 peers	Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap.	NCUA 5300, Jun 30, 2026
Largest single borrower	$46.9M	$29.3M to $83.5M across 8 peers	Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated.	NCUA 5300, Jun 30, 2026 12 CFR 723.4, Jun 30, 2026
CRE to net worth	115.0%	18.9% to 171.0% across 8 peers	(Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit.	NCUA 5300, Jun 30, 2026
Loans to assets	76.5%	64.7% to 86.2% across 8 peers	Total loans divided by total assets.	NCUA 5300, Jun 30, 2026

Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.

Loan channel and SBA processing

Public record only

Of 9 multifamily loans with a known channel in 2024 to 2025, 1 (11.1%) came through a third party. HMDA, 2025

Third party includes correspondents as well as brokers. No figure here means no evidence, not a refusal.

SBA Express: 6 loans
Approval to first disbursement: 48 days, median of 16

SBA FOIA, Sep 30, 2026 SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.

Peers

Same kind of lender, similar size and book

Peers
Lender	State	Total assets	Commercial book
Community Choice Credit Union	MI	$2.12B	$507M
Michigan Schools and Government Credit Union	MI	$4.41B	$442M
Advia Credit Union	MI	$4.06B	$693M
Dort Financial Credit Union	MI	$2.44B	$604M
Credit Union One	MI	$1.81B	$163M
ELGA Credit Union	MI	$2.50B	$375M
Michigan First Credit Union	MI	$1.49B	$61.9M
Financial Plus Credit Union	MI	$1.67B	$309M

NCUA 5300, Jun 30, 2026

Compare these lenders side by side

What we don't know

Whether it is taking new loans today, or on what terms.
Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
Whether it takes brokers on any given deal. The public record shows only that some loans came through a third party.
Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.

Check this page

Against the regulator's own record

Name and charter. Lake Trust Credit Union, NCUA charter 62047. Compare it with the regulator's record. [NCUA profile]
Balances. $2.88B in total assets and $531M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
Loans made. 45 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 32 loans in HMDA and SBA files, through September 30, 2026: 9 HMDA multifamily 2025, 1 HMDA 1-4 unit investor 2025, 19 SBA 7(a) in 36 months, 3 SBA 504 first liens in 36 months. [How each file was tied to Lake Trust Credit Union]
Phone and website. Phone 888-267-7200, from the NCUA record. Website laketrust.org, from the NCUA record. [How to reach them]

Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error

For the record

Data as of June 30, 2026. Page last changed November 11, 2026.

Regulator: NCUA and state regulator
NCUA charter: 62047
RSSD: 794091
LEI: 254900RQGXH1N2N6D695
The Lender Report ID: lr_000630

Main office county: Livingston
Members: 176,789
NCUA region: 1 - Eastern

NCUA credit union details, Nov 8, 2026

Reported $2.9B in total assets as of June 30, 2026 (NCUA 5300).
Held $531.2M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
Held $200.7M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 6.8% from a year earlier (NCUA 5300).
Held $154.2M of owner-occupied commercial real estate loans as of June 30, 2026, up 6.2% from a year earlier (NCUA 5300).
Held $138.8M of multifamily loans as of June 30, 2026, up 4.5% from a year earlier (NCUA 5300).
Originated 9 multifamily loans totaling $71.5M in 2025 (HMDA).

7 more sentences

Originated 1 1-4 unit investor or business-purpose loan totaling $1.5M in 2025 (HMDA).
Recorded 21 SBA 7(a) approvals totaling $7.2M from October 1, 2023 to September 30, 2026, of which 2 were later cancelled (SBA).
Provided the first lien on 3 SBA 504 projects with $2M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
Originated 45 real-estate-secured commercial loans totaling $92.4M in the first half of 2026 (NCUA 5300).
Bought $9.8M of commercial loan participations from January 1 to June 30, 2026 (NCUA 5300).
Held $58.1M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
Listed 24 offices in 1 state (NCUA).

Cite this

Source: The Lender Report, Lake Trust Credit Union, https://lender.report/lender/lake-trust-credit-union-mi/, data as of June 30, 2026.

Sources

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Call 888-267-7200 Website

Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem