BlastPoint's Credit Union Scorecard
HARBORLIGHT
Charter #62066 · MI
HARBORLIGHT has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 18.0% in tier
- + Profitability Leader: Top 83.2% in tier
- + ROA 0.40% above tier average
- + Net Interest Margin 0.43% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Delinquency Rate (60+ days): Top 5.1% in tier
- + Net Charge-Off Rate: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.56% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,556
+0.3% YoY-0.1% QoQ
|
-4.1K |
15,628
-3.4% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
39% |
| Assets |
$162.1M
+2.9% YoY-1.3% QoQ
|
$-69.2M |
$231.3M
-0.0% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
36% |
| Loans |
$110.2M
+5.1% YoY+1.9% QoQ
|
$-37.6M |
$147.8M
-1.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
41% |
| Deposits |
$142.5M
+2.2% YoY-1.8% QoQ
|
$-57.8M |
$200.3M
-0.0% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
36% |
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| ROA |
1.2%
+33.7% YoY+9.8% QoQ
|
+0.4% |
0.8%
+15.5% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
78% |
| NIM |
4.0%
+12.9% YoY+4.0% QoQ
|
+0.4% |
3.6%
+6.9% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
74% |
| Efficiency Ratio |
77.8%
-0.4% YoY-2.1% QoQ
|
+0.6% |
77.3%
-3.0% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
53% |
| Delinquency Rate |
0.1%
-63.4% YoY+52.3% QoQ
|
-0.8 |
0.9%
+7.6% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 5.1% in tier |
| Loan To Share |
77.3%
+2.8% YoY+3.8% QoQ
|
+4.6% |
72.7%
-1.5% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
56% |
| AMR |
$21,869
+3.1% YoY-0.1% QoQ
|
$-2K |
$24,363
+2.9% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
46% |
| CD Concentration |
11.2%
-12.7% YoY+4.5% QoQ
|
-13.2% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (0)
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)