NORTHERN LIGHTS COMMUNITY
Federal • Chatham, Michigan • Est. 1945
Quick Facts
- Charter Number
- #5272
- Type
- Federal
- Established
- 1945
- Headquarters
- Chatham, Michigan 49816
- Address
- P.O. Box 126
- Branches
- 1
- Members
- 1,311
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
1,311 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | NORTHERN LIGHTS COMMUNITY |
|---|---|
| Total Assets | $12.6M |
| Members | 1,311 |
| Loans Outstanding | $3.4M |
| Shares & Deposits | $11.4M |
| Net Worth | $1.1M |
| Net Worth Ratio | 9.12% |
| Loan-to-Share Ratio | 30.2% |
| Delinquency Rate | 1.06% |
| Net Income | +$212,805 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View Michigan RankingsFrequently Asked Questions
Yes. NORTHERN LIGHTS COMMUNITY 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, NORTHERN LIGHTS COMMUNITY has 1,311 members and a potential membership field of 2,000 people.
NORTHERN LIGHTS COMMUNITY's net worth ratio is 9.12% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.1%, NORTHERN LIGHTS COMMUNITY meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or NORTHERN LIGHTS COMMUNITY. All financial data is for informational purposes only.