Whitehall, Michigan · Peer group 5
Harborlight Credit Union
Harborlight Credit Union holds $169.3M in assets across 11,537 members as of Q1 2026 — about $15K of assets per member, on a charter dating to 1954. Charter number 62066, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $169.3M |
|---|---|
| Total loans | $108.3M |
| Total shares (deposits) | $148.9M |
| Net worth | $18.7M |
| Members | 11,537 |
| Assets per member | $15K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 3.9% | |
|---|---|---|
| Loans | 1.0% | around the 41st percentile of its peer group |
| Deposits | 3.2% | around the 51st percentile of its peer group |
| Members | 0.1% | around the 55th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 72.7% | around the 51st percentile of its peer group |
|---|---|---|
| Net worth ratio | 11.1% | around the 44th percentile of its peer group |
| Return on assets | 0.83% | around the 59th percentile of its peer group |
| Delinquency ratio | 0.17% | around the 11th percentile of its peer group |
| Cash / assets | 9.9% | around the 47th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Harborlight Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Michigan — the comparison set a peer ratio is measured against.
- Family Financial Credit Union
Norton Shores, MI
$169.2M · 16,646 members
- Wolverine State Credit Union
Alpena, MI
$169.1M · 9,724 members
- H.P.C. Credit Union
ALPENA, MI
$171.0M · 7,590 members
- Wayne-Westland Credit Union
Westland, MI
$159.7M · 10,762 members
- Health Advantage Credit Union
SAGINAW, MI
$179.4M · 10,639 members
- Safe Harbor Credit Union
Ludington, MI
$181.7M · 8,971 members
CUSignals is independent and is not affiliated with, endorsed by, or acting for Harborlight Credit Union, nor for any regulator or trade association. Figures on this page are drawn from institution-level data for the quarter shown and may trail the institution’s own reporting; they are presented for information and are not investment, credit or merger advice, and not a recommendation about this or any institution. No institution can pay to be listed, delisted, or shown differently. To request a correction, email admin@infinidatum.net. See the disclaimer and privacy policy.