Harborlight

WHITEHALL, MI · 2 · Charter #62066 · www.harborlightcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$162.0M
76th percentile
Members
11,504
77th percentile
Total loans
$109.6M
81th percentile
Total shares
$141.8M
78th percentile

Profitability

Return on assets
1.33%
69th percentile
Net interest margin
4.12%
76th percentile
Efficiency ratio
66.00%
39th percentile
Non-interest income ratio
25.33%
84th percentile

Capital & Risk

Net worth ratio
11.33%
39th percentile
Delinquency rate
0.48%
67th percentile
Net charge-off rate
0.12%
80th percentile
Loan-to-share
77.30%
66th percentile

Growth

Member growth YoY
-0.21%
55th percentile
Asset growth YoY
3.03%
42th percentile
Loan growth YoY
2.99%
59th percentile
Share growth YoY
2.06%
39th percentile

Operations

Members / branch
5,752
88th percentile
Assets / member
$14,082
47th percentile
Field of membership penetration
0.11%
1th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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