HARBORLIGHT
Charter #62066 · WHITEHALL, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.15% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.17% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | HARBORLIGHT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $169.27M | 39th pct | 36th pct |
| Members | 11,537 | 41th pct | 38th pct |
| Net worth ratio | 11.05% | 44th pct | 44th pct |
| Return on average assets | 0.85% | 60th pct | 61th pct |
| Net interest margin | 4.15% | 79th pct | 87th pct |
| Cost of funds | 0.96% | 37th pct | 51th pct |
| Loan-to-share | 72.74% | 51th pct | 52th pct |
| Delinquency 60+ days | 0.17% | 11th pct | 15th pct |
| Net charge-off ratio | 0.46% | 60th pct | 57th pct |
| Loan growth YoY | -1.77% | 27th pct | 21th pct |
| Share growth YoY | 4.46% | 64th pct | 56th pct |
| Efficiency ratio | 78.93% | 51th pct | 44th pct |
structural peer set hash: 343711362e0b75703371bfb9f9e14ecf… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.