State credit union · WHITEHALL, Michigan · NCUA charter #62066
HARBORLIGHT
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $162.0M
- Total assets
- 11,504
- Members
- 11.1%
- Net-worth ratio
HARBORLIGHT scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $162.0M; members 11,504; net-worth ratio 11.05%; health rank #528 of 4,374; healthier than 87th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#528 of 4,374 health · 2025Q4HARBORLIGHT · health 94/100 · $162.0M · 2025Q4
Call Report peers
HARBORLIGHT in the assets neighbourhood
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HARBORLIGHT vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); HARBORLIGHT sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
HARBORLIGHT vs $100M–$500M peers
- Largest favorable gap: Loan-to-Share Ratio at 77.30% vs peer 72.20% (+5.10 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.06 pp (11.05% vs 12.11%).
HARBORLIGHT: in-state Call Report ranks
- Health composite ranks #19 of 171 among scored Michigan credit unions.
- By total assets, HARBORLIGHT is #90 of 171 in Michigan.
- Membership ranks #90 of 171 among Michigan CUs with a reported count (11,504 members).
- One place up in Michigan, Alpena-Alcona Area (#18) ties at 94/100; one place down, Baraga County (#20) ties at 94/100.
Quarter path for HARBORLIGHT
HARBORLIGHT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.5% from $162.0M (2025Q4) to $169.3M (2026Q1).
- Net-worth ratio shifted -0.28 pp (11.33% → 11.05%).
11.05% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 94/100 score is built
HARBORLIGHT gives up 6 points in total. Member Growth costs the most, 6.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.6 pts
- Loan-to-Share Ratio 15.4 pts
Call Report ratios for HARBORLIGHT
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.05% | -1.06 pp |
| Delinquency Rate | 0.48% | -0.41 pp |
| Return on Assets | 0.87% | +0.25 pp |
| Member Growth | -0.21% | - |
| Loan-to-Share Ratio | 77.30% | +5.10 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
HARBORLIGHT filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $169.3M | - |
| 2025Q4 | $162.0M | 11,504 |
| 2024Q4 | $157.2M | 11,528 |
| 2023Q4 | $154.9M | 11,505 |
Credit Union Details
- Charter Number
- 62066
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- WHITEHALL
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for HARBORLIGHT.
| Office | City |
|---|---|
| HarborLight CU (Main Office) | Whitehall, MI |
| HarborLIght CU 003 | Whitehall, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Other-state peers near HARBORLIGHT
Using this data
- HARBORLIGHT ranks #528 of 4,374 nationally on financial health and #19 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Family Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Family Financial
Frequently Asked Questions
Is HARBORLIGHT financially healthy?
HARBORLIGHT has a financial health score of 94/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #528 of 4,374 nationally on health and #19 of 171 in Michigan. Its net worth ratio is 11.05% and its delinquency rate 0.48%.
How does HARBORLIGHT compare to other credit unions?
HARBORLIGHT scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (77.30% vs 72.20%). Its widest shortfall is net worth ratio (11.05% vs 12.11%).
How can I join HARBORLIGHT?
Membership eligibility for HARBORLIGHT depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact HARBORLIGHT directly for current membership requirements and application steps.
Is my money safe at HARBORLIGHT?
HARBORLIGHT is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. HARBORLIGHT's net worth ratio of 11.05% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.