Northern Lights Community

Chatham, MI · 1 · Charter #5272 · www.nlightsfcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$12.6M
48th percentile
Members
1,311
47th percentile
Total loans
$3.4M
34th percentile
Total shares
$11.4M
51th percentile

Profitability

Return on assets
1.69%
84th percentile
Net interest margin
4.59%
72th percentile
Efficiency ratio
68.07%
47th percentile
Non-interest income ratio
16.73%
75th percentile

Capital & Risk

Net worth ratio
9.12%
10th percentile
Delinquency rate
1.06%
40th percentile
Net charge-off rate
-0.07%
95th percentile
Loan-to-share
30.20%
12th percentile

Growth

Member growth YoY
-0.46%
62th percentile
Asset growth YoY
12.46%
95th percentile
Loan growth YoY
-11.03%
21th percentile
Share growth YoY
11.86%
93th percentile

Operations

Members / branch
656
30th percentile
Assets / member
$9,606
53th percentile
Field of membership penetration
65.55%
81th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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