BlastPoint's Credit Union Scorecard
HARBORLIGHT
Charter #62066 · MI
HARBORLIGHT has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.20% above tier average
- + Net Interest Margin 0.45% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 68 that size in Michigan.
- Shares and deposits +2.8% year over year ($149M in shares and deposits).
- Membership: 11,505 members, -0.5% vs a year ago.
- Delinquency rate 0.35%.
- Return on assets 1.06%.
- Efficiency ratio 76.67% vs a 76.73% peer average.
- Loan-to-share ratio 73.20% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,505
-0.5% YoY-0.3% QoQ
|
-3.7K |
15,168
-2.6% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
41% |
| Assets |
$170.1M
+3.6% YoY+0.5% QoQ
|
$-61.9M |
$232.0M
+0.7% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
38% |
| Loans |
$109.3M
+1.0% YoY+0.9% QoQ
|
$-37.0M |
$146.3M
+0.2% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
41% |
| Deposits |
$149.3M
+2.8% YoY+0.3% QoQ
|
$-51.5M |
$200.7M
+0.2% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
40% |
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| ROA |
1.1%
-1.8% YoY+28.4% QoQ
|
+0.2% |
0.9%
+12.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
69% |
| NIM |
4.1%
+7.0% YoY+1.7% QoQ
|
+0.5% |
3.7%
+4.5% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
78% |
| Efficiency Ratio |
76.7%
-3.5% YoY-2.9% QoQ
|
-0.1% |
76.7%
-0.8% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
48% |
| Delinquency Rate |
0.4%
+424.7% YoY+104.5% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
23% |
| Loan To Share |
73.2%
-1.8% YoY+0.6% QoQ
|
+1.7% |
71.5%
-0.3% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
50% |
| AMR |
$22,470
+2.6% YoY+0.8% QoQ
|
$-3K |
$25,107
+3.2% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
47% |
| CD Concentration |
12.4%
+15.9% YoY+6.3% QoQ
|
-12.2% | 24.6% | 18.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)