Harborlight
Harborlight is a credit union based in Whitehall, Michigan, established in 1954, with $169 million in total assets serving 11,537 members. By Trust Grade it ranks 86th of 170 credit unions we track in Michigan. Its net worth ratio of 11.1% trails most similarly sized credit unions (47th percentile), versus a Michigan median of 11.7%. It was profitable over the most recent period, with a 0.83% return on assets. No consumer complaints against Harborlight appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Harborlight compares to Michigan peers
How we graded Harborlight
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.1% capital ratio)
- Profitable (ROA 0.83%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Harborlight over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Harborlight insured?
Yes. Harborlight is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Harborlight: frequently asked questions
Is Harborlight a good credit union?
Harborlight earns a Bankzia Trust Grade of A (93/100, "Excellent"), based on a financial-strength score of 93/100 (it has no CFPB complaints on record). Strongly capitalized (11.1% capital ratio); Profitable (ROA 0.83%).
Is Harborlight NCUA-insured?
Yes. Harborlight is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Harborlight?
Harborlight holds $169 million in total assets, ranking 86th of 170 credit unions we track in Michigan. It serves 11,537 members.
Does Harborlight have CFPB complaints?
No CFPB complaints against Harborlight appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
