SAFE HARBOR
State-Chartered • Ludington, Michigan • Est. 1952
Quick Facts
- Charter Number
- #61988
- Type
- State-Chartered
- Established
- 1952
- Headquarters
- Ludington, Michigan 49431-2455
- Address
- 5511 W US Highway 10
- Branches
- 1
- ATMs
- 2
- Members
- 8,971
- 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
8,971 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SAFE HARBOR |
|---|---|
| Total Assets | $181.7M |
| Members | 8,971 |
| Loans Outstanding | $151.0M |
| Shares & Deposits | $163.9M |
| Net Worth | $17.4M |
| Net Worth Ratio | 9.60% |
| Loan-to-Share Ratio | 92.2% |
| Delinquency Rate | 1.13% |
| Net Income | $-67,752 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
1 location · 2 ATMs
Main Office
Main Office5511 W US Highway 10
Ludington, MI 49431-2455
Who Can Join SAFE HARBOR?
Membership Type: Community
Membership eligibility for SAFE HARBOR may vary. Contact the credit union directly to confirm qualification requirements.
Contact SAFE HARBOR 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
SAFE HARBOR 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, SAFE HARBOR has 8,971 members and a potential membership field of 38,621 people.
SAFE HARBOR's reported net worth ratio is 9.60% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
SAFE HARBOR operates 1 branch location and has access to 2 ATMs. The main office is located at 5511 W US Highway 10, Ludington, MI 49431-2455.
SAFE HARBOR was established in 1952. It is a state-chartered credit union chartered under charter number 61988. The institution has been serving members for 74 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or SAFE HARBOR. All financial data is for informational purposes only.