SAFE HARBOR
State-Chartered • Ludington, Michigan • Est. 1952
Quick Facts
- Charter Number
- #61988
- Type
- State-Chartered
- Established
- 1952
- Headquarters
- Ludington, Michigan 49431
- Address
- PO Box 980
- Branches
- 1
- ATMs
- 2
- Members
- 8,943
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Above-average financial health. Net worth is strong and key ratios are within normal ranges, with minor areas to monitor.
Financial Overview
Total Assets
Members
8,943 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SAFE HARBOR |
|---|---|
| Total Assets | $182.2M |
| Members | 8,943 |
| Loans Outstanding | $151.4M |
| Shares & Deposits | $164.1M |
| Net Worth | $17.5M |
| Net Worth Ratio | 9.61% |
| Loan-to-Share Ratio | 92.3% |
| Delinquency Rate | 1.80% |
| Net Income | +$2,212,855 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View Michigan RankingsFrequently Asked Questions
Yes. SAFE HARBOR 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, SAFE HARBOR has 8,943 members and a potential membership field of 38,621 people.
SAFE HARBOR's net worth ratio is 9.61% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.6%, SAFE HARBOR meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or SAFE HARBOR. All financial data is for informational purposes only.