HARBORLIGHT
State-Chartered • WHITEHALL, Michigan • Est. 1954
Quick Facts
- Charter Number
- #62066
- Type
- State-Chartered
- Established
- 1954
- Headquarters
- WHITEHALL, Michigan 49461
- Address
- 2151 COGSWELL DR
- Branches
- 2
- ATMs
- 2
- Members
- 11,504
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
11,504 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | HARBORLIGHT |
|---|---|
| Total Assets | $162.0M |
| Members | 11,504 |
| Loans Outstanding | $109.6M |
| Shares & Deposits | $141.8M |
| Net Worth | $18.4M |
| Net Worth Ratio | 11.33% |
| Loan-to-Share Ratio | 77.3% |
| Delinquency Rate | 0.48% |
| Net Income | +$2,150,975 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations · 2 ATMs
HarborLight CU
Main Office2151 Cogswell Dr
Whitehall, MI 49461
HarborLIght CU 003
2710 Holton Whitehall Road
Whitehall, MI 49461
Who Can Join HARBORLIGHT?
Membership Type: Community
Membership eligibility for HARBORLIGHT may vary. Contact the credit union directly to confirm qualification requirements.
Contact HARBORLIGHT directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Michigan RankingsFrequently Asked Questions
Yes. HARBORLIGHT is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, HARBORLIGHT has 11,504 members and a potential membership field of 10,140,459 people.
HARBORLIGHT's net worth ratio is 11.33% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.3%, HARBORLIGHT meets this threshold.
HARBORLIGHT operates 2 branch locations and has access to 2 ATMs. The main office is located at 2151 Cogswell Dr, Whitehall, MI 49461.
HARBORLIGHT was established in 1954. It is a state-chartered credit union chartered under charter number 62066. The institution has been serving members for 72 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or HARBORLIGHT. All financial data is for informational purposes only.