NORTHERN LIGHTS COMMUNITY Credit Union Profile

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NORTHERN LIGHTS COMMUNITY

Charter #5272 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (906) 439-5100

Fax: (906) 439-5822

Founding Date: N/A

Website: http://www.nlightsfcu.com

Personnel & Operations

President: Beckwith, Heather

Manager: Maki, Nicole

FT Employees: 3

PT Employees: 4

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 66

Branches: 2

Hours: M-F 8:30 to 5 pm Sat. 8:30-12pm

Credit Union Profile Summary

NORTHERN LIGHTS COMMUNITY is a FCU Credit Union. With a total of 1,208 members [1], this institution manages approximately $12,413,507 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 8.54% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -16.92% [1].

Financial Snapshot

Total Assets [1]
$12,413,507

Total economic resources.

Total Loans [1]
$3,595,141

Total value of outstanding loans.

Total Deposits [1]
$11,257,108

Total funds deposited by members.

Members [1]
1,208

Number of active members.

Performance Ratios

Net Worth Ratio [1]
8.54%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
2.27%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
31.94%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 8.28%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -16.92%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -9.58%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

PO Box 126

Chatham, MI, 49816
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 1 branches reported by NORTHERN LIGHTS COMMUNITY (Charter #5272).

Main Office

Northern Lights Community FCU Main Office

Type: Corporate Office

PO Box 126

Chatham, MI 49816

Phone: (906) 439-5100

Services: Member Services, Drive-Thru

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