Federal credit union · Chatham, Michigan · NCUA charter #5272
Northern Lights Community
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $12.6M
- Total assets
- 1,311
- Members
- 9.5%
- Net-worth ratio
Northern Lights Community scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.6M; members 1,311; net-worth ratio 9.51%; health rank #2,777 of 4,374; healthier than 36th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,777 of 4,374 health · 2025Q4Northern Lights Community · health 80/100 · $12.6M · 2025Q4
- DELQ 80/100
- ROA 9.5%
- ASSETS 1.06%
- MEM 1.00%
- RANK $12.6M
- PHOTO 1,311
- BOOK #2,777/4,374
- CHARTER Metropolitan Church
- NCUSIF 5272
Call Report peers
Northern Lights Community in the assets neighbourhood
Northern Lights Community's $12.6M assets sit next to Metropolitan Church ($12.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Northern Lights Community vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Northern Lights Community - Share Insurance Coverage
Charter #5272's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Northern Lights Community vs $10M–$50M peers
- Largest favorable gap: Return on Assets at 1.00% vs peer 0.70% (+0.30 pp).
- Largest lag: Loan-to-Share Ratio at 30.20% vs peer 59.80% (-29.60 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Northern Lights Community: in-state Call Report ranks
- In Michigan, health place is #138 of 171 on the same NCUA-ratio sort used nationally.
- By total assets, Northern Lights Community is #166 of 171 in Michigan.
- Michigan membership ordinal: #163 of 171.
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Northern Lights Community
Northern Lights Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.1% from $12.6M (2025Q4) to $12.6M (2026Q1).
- Net-worth ratio shifted +0.39 pp (9.12% → 9.51%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.51% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 28.8 pts
- Delinquency Rate 19.6 pts
- Return on Assets 15.0 pts
- Member Growth 8.2 pts
- Loan-to-Share Ratio 8.4 pts
Northern Lights Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.51% | -5.35 pp |
| Delinquency Rate | 1.06% | -0.09 pp |
| Return on Assets | 1.00% | +0.30 pp |
| Member Growth | -0.46% | - |
| Loan-to-Share Ratio | 30.20% | -29.60 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Northern Lights Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $12.6M | - |
| 2025Q4 | $12.6M | 1,311 |
| 2024Q4 | $11.2M | 1,317 |
| 2023Q4 | $11.4M | 1,244 |
Credit Union Details
- Charter Number
- 5272
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Michigan
- City
- Chatham
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Northern Lights Community.
| Office | City |
|---|---|
| Northern Lights Community FCU (Main Office) | Chatham, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
A look at other Michigan credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Northern Lights Community
Two NCUA Call Report peer sets for Northern Lights Community, both outside Michigan so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($12.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- Northern Lights Community ranks #2,777 of 4,374 nationally on financial health and #138 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Muskegon St Joseph is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Muskegon St Joseph
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Northern Lights Community financially healthy?
A 9.51% net worth ratio and a 1.06% delinquency rate feed into Northern Lights Community's financial health score of 80/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,777 of 4,374; by total assets it ranks #3,424 of 4,374 nationally (same basis as /rankings/largest); and #166 of 171 within Michigan. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Northern Lights Community compare to other credit unions?
Five weighted metrics from NCUA filings produce Northern Lights Community's 80/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Northern Lights Community?
Northern Lights Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Northern Lights Community directly for the exact boundaries and application steps.
Is my money safe at Northern Lights Community?
Federal credit unions like Northern Lights Community are 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. Northern Lights Community's net worth ratio of 9.51% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Northern Lights Community offer compared to banks?
Credit unions like Northern Lights Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Northern Lights Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.