| Weiss Ratings |
HarborLight Credit Union
Whitehall, MI |
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| Rating | ||||
| Asset Quality Index | 10.00 | |||
| Capitalization Index | 8.40 | |||
| Liquidity Index | 4.30 | |||
| Profitability Index | 7.20 | |||
| Stability Index | 6.70 | |||
| Company Info |
HarborLight Credit Union
Whitehall, MI |
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| NCUA Charter Number | 4653 | |||
| Phone Number | (231) 894-5608 | |||
| Website | www.harborlightcu.org | |||
| Asset Quality |
HarborLight Credit Union
Whitehall, MI |
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| 1-Year Asset Growth | 4.41% | |||
| 5-Year Asset Growth | 6.07% | |||
| 5-Year Charge-Offs to Average Loans | 0.24% | |||
| Charge-Offs to Average Loans | 0.08% | |||
| Non-Performing Assets to Assets | 0.04% | |||
| Non-Performing Loans to Capital | 0.40% | |||
| Non-Performing Loans to Loans | 0.07% | |||
| Balance Sheet |
HarborLight Credit Union
Whitehall, MI |
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| Total Assets | 164.25M | |||
| Total Deposits | 145.14M | |||
| Capital and Reserves |
HarborLight Credit Union
Whitehall, MI |
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| Capital | 17.14M | |||
| Leverage Ratio | 10.50 | |||
| Loan Loss Reserves to Loans | 0.86% | |||
| Liquidity |
HarborLight Credit Union
Whitehall, MI |
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| Hot Money Ratio | 4.50% | |||
| Liquidity Ratio | 20.70% | |||
| Profitability |
HarborLight Credit Union
Whitehall, MI |
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| 5-Year Return on Average Assets | 0.55% | |||
| Net Income | 886.00K | |||
| Net Interest Spread | 4.57% | |||
| Operating Profit to Average Assets | 1.14% | |||
| Overhead Efficiency Ratio | 79.48% | |||
| Return on Assets | 1.10% | |||
| Return on Equity | 10.66% | |||