HARBORLIGHT
Whitehall, MI · State Credit Union · Chartered in MI
Who can join
State government employees (special charter)
Members
11,537
Net Worth Ratio
11.05%
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
$169.3M
Peer Group 5
Members
11,537
as of latest quarter
Net Worth Ratio
11.05%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$169.3M
Total Shares
$148.9M
Total Loans
$108.3M
Net Income
$351K
Net Worth Ratio
11.05%
≥7% = Well Capitalized
Members
11,537
Return on Assets
0.21%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.08%
$86K
Loan-to-share ratio: 72.7%· healthy range 60–80%
Branch Locations
NCUAHarborLight CU
2151 Cogswell Dr, Whitehall, MI, 49461
Lobby Hours: Mon, Wed, Thurs, Fri 9:00 am - 5:00 pm Tues 9:30 am - 5:00 pm Sat, Sun Closed Drive Thru Hours: M
HarborLIght CU 003
2710 Holton Whitehall Road, Whitehall, MI, 49461
10:00am to 6:00pm Monday - Friday
Mortgage Lending (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
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/harborlight" target="_blank" rel="noopener">View HARBORLIGHT on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.