State credit union · Ludington, Michigan · NCUA charter #61988
Safe Harbor
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $182.2M
- Total assets
- 8,943
- Members
- 9.6%
- Net-worth ratio
Safe Harbor scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $182.2M; members 8,943; net-worth ratio 9.60%; health rank #2,333 of 4,374; healthier than 46th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,333 of 4,374 health · 2025Q4Safe Harbor · health 83/100 · $182.2M · 2025Q4
- CHARTER 83/100
- NCUSIF 9.6%
- CAMELS 1.80%
- HEALTH 1.04%
- NW $182.2M
- DELQ 8,943
- ROA #2,333/4,374
- ASSETS Puerto Rico
- MEM 61988
Call Report peers
Safe Harbor in the assets neighbourhood
Safe Harbor's $182.2M assets sit next to Puerto Rico ($182.2M) 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.
Safe Harbor 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
83 46th percentile higher than 46% 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
Safe Harbor - Share Insurance Coverage
Charter #61988'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.
Peer-gap read for Safe Harbor
- Loan-to-Share Ratio leads the peer set - 92.25% here, 72.20% peer average (+20.05 pp).
- Net Worth Ratio trails the peer set - 9.60% here, 12.11% peer average (-2.51 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Safe Harbor sits in Michigan
- Michigan health ordinal: #119 of 171.
- Michigan assets place: #86 of 171.
- Michigan membership ordinal: #102 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.
Safe Harbor Call Report trajectory
Safe Harbor: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.3% from $182.2M (2025Q4) to $181.7M (2026Q1).
- Net-worth ratio shifted -0.01 pp (9.61% → 9.60%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.60%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 29.0 pts
- Delinquency Rate 14.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.7 pts
- Loan-to-Share Ratio 14.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.60% | -2.51 pp |
| Delinquency Rate | 1.80% | +0.90 pp |
| Return on Assets | 1.04% | +0.41 pp |
| Member Growth | 1.39% | - |
| Loan-to-Share Ratio | 92.25% | +20.05 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Safe Harbor quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $181.7M | - |
| 2025Q4 | $182.2M | 8,943 |
| 2024Q4 | $172.3M | 8,820 |
| 2023Q4 | $145.0M | 8,025 |
Credit Union Details
- Charter Number
- 61988
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Ludington
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Safe Harbor.
| Office | City |
|---|---|
| Main Office (Main Office) | Ludington, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
Other federally-insured credit unions in Michigan, closest first by peer group and asset size.
Other-state peers near Safe Harbor
Cross-state asset and health neighbours for Safe Harbor - kept outside Michigan; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($182.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- Safe Harbor ranks #2,333 of 4,374 nationally on financial health and #119 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- POLISH-AMERICAN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with POLISH-AMERICAN
- 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 Safe Harbor financially healthy?
Safe Harbor has a financial health score of 83/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,333 of 4,374; by total assets it ranks #1,347 of 4,374 nationally (same basis as /rankings/largest); and #86 of 171 within Michigan. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.60% and delinquency rate of 1.80%.
How does Safe Harbor compare to other credit unions?
83/100 is Safe Harbor's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Safe Harbor?
Membership eligibility for Safe Harbor depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Safe Harbor directly for current membership requirements and application steps.
Is my money safe at Safe Harbor?
Federal credit unions like Safe Harbor 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. Safe Harbor's net worth ratio of 9.60% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Safe Harbor offer compared to banks?
Credit unions like Safe Harbor 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 Safe Harbor 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.