Charter 62066 · Whitehall, MI
Harborlight Credit Union
Harborlight Credit Union is a state-chartered credit union in Whitehall, Michigan, with $170 million in assets and 11,505 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 11.32%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $170 million
- +3.6% in a year
- Members
- 11,505
- -0.5% in a year
- Net worth ratio
- 11.32%
- Peer median 11.65%
- Loans 60+ days late
- 0.35%
- Peer median 0.70%
- Loans outstanding
- $109 million
- +1.0% in a year
- Shares and deposits
- $149 million
- +2.8% in a year
- Branches
- 2
- 45 employees
- Opened
- 1954
- Michigan charter
How Harborlight Credit Union compares
NCUA groups credit unions by size; Harborlight Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 11.32% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.35%, is lower than the group median of 0.70%. Loans grew 1.0% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 91 of 169 credit unions headquartered in Michigan. See all Michigan credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $170 million | 11,505 | $109 million | 11.32% | 0.35% |
| Q1 2026 | $169 million | 11,537 | $108 million | 11.05% | 0.17% |
| Q4 2025 | $162 million | 11,504 | $110 million | 11.33% | 0.48% |
| Q3 2025 | $162 million | 11,556 | $110 million | 10.99% | 0.10% |
| Q2 2025 | $164 million | 11,567 | $108 million | 10.49% | 0.07% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 10 million potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 2 sites for Harborlight Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- HarborLight CU (main office)
2151 Cogswell Dr, Whitehall, MI 49461 - HarborLIght CU 003
2710 Holton Whitehall Road, Whitehall, MI 49461
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology