NORTHERN LIGHTS COMMUNITY
Federal • Chatham, Michigan • Est. 1945
Quick Facts
- Charter Number
- #5272
- Type
- Federal
- Established
- 1945
- Headquarters
- Chatham, Michigan 49816
- Address
- PO Box 126
- Branches
- 1
- Members
- 1,288
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 8% and a delinquency rate below 1.5%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
1,288 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | NORTHERN LIGHTS COMMUNITY |
|---|---|
| Total Assets | $12.6M |
| Members | 1,288 |
| Loans Outstanding | $3.4M |
| Shares & Deposits | $11.4M |
| Net Worth | $1.2M |
| Net Worth Ratio | 9.51% |
| Loan-to-Share Ratio | 29.5% |
| Delinquency Rate | 0.94% |
| Net Income | +$48,546 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
1 location
Northern Lights Community FCU
Main OfficePO Box 126
Chatham, MI 49816
Who Can Join NORTHERN LIGHTS COMMUNITY?
Membership Type: Community
Membership eligibility for NORTHERN LIGHTS COMMUNITY may vary. Contact the credit union directly to confirm qualification requirements.
Contact NORTHERN LIGHTS COMMUNITY directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Michigan
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Michigan RankingsFrequently Asked Questions
NORTHERN LIGHTS COMMUNITY is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, NORTHERN LIGHTS COMMUNITY has 1,288 members and a potential membership field of 2,000 people.
NORTHERN LIGHTS COMMUNITY's reported net worth ratio is 9.51% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
NORTHERN LIGHTS COMMUNITY operates 1 branch location. The main office is located at PO Box 126, Chatham, MI 49816.
NORTHERN LIGHTS COMMUNITY was established in 1945. It is a federal credit union chartered under charter number 5272. The institution has been serving members for 81 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or NORTHERN LIGHTS COMMUNITY. All financial data is for informational purposes only.