Harborlight
Whitehall, MI · Charter 62066 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$170.1MAssets
$109.3MLoans
$149.3MShares
$19.3MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 80% of credit unions under $1B in assets (rank 344 of 1681).
- Widest gap: equity / assets trails 65% of credit unions under $1B in assets (rank 1100 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.06%
Rank 531 of 1,683
Net Interest Margin
4.13%
Rank 578 of 1,683
Efficiency Ratio
76.67%
Rank 758 of 1,682
Equity / Assets
11.32%
Rank 1,100 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.06% | 0.35% | 0.74% | 1.18% | Beats 68% | 531 / 1,683 | |
| Return on Equity | 9.38% | 2.67% | 5.89% | 8.74% | Beats 80% | 344 / 1,681 | |
| Net Interest Margin | 4.13% | 3.31% | 3.82% | 4.32% | Beats 66% | 578 / 1,683 | |
| Efficiency Ratio | 76.67% | 68.91% | 78.20% | 86.93% | Beats 55% | 758 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.35% | 0.26% | 0.65% | 1.29% | Beats 69% | 521 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.32% | 10.44% | 12.89% | 16.53% | Beats 35% | 1,100 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.32% | 10.44% | 12.89% | 16.53% | Beats 35% | 1,100 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 73.20% | 52.61% | 69.38% | 83.50% | 57th pctl | 718 / 1,683 | |
| Loans / Assets | 64.22% | 44.71% | 59.18% | 70.72% | 61st pctl | 652 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |