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Overview / Commentary
906-439-5550
PO Box 126
Chatham, MI 49816

Northern Lights Community Federal Credit Union is headquartered in Chatham and is the 216th largest credit union in the state of Michigan. It is also the 4,354th largest credit union in the nation. It was established in 1945 and as of December of 2017, it had grown to 4 employees and 1,495 members at 1 location. Northern Lights Community Federal Credit Union has a C+ health rating.

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Health
C+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Northern Lights Community Federal Credit Union has a very low asset base.

Health Grade Components

Overall
NCUA #5272
Year Chartered1945
Employees4
Primary Regulator
Profit Margin
Return on Assets - YTD0.35%
Return on Equity - YTD3.5%
Annual Interest Income$296.00K
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$8.0MM$8.1MM
LoansQ4 2017vs Q4 2016$4.1MM$4.0MM
DepositsQ4 2017vs Q4 2016$7.1MM$7.3MM
Equity CapitalQ4 2017vs Q4 2016$799.00K$770.00K
Loan Loss AllowanceQ4 2017vs Q4 2016$66.00K$76.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$20.00K$5.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
Rates
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Northern Lights Community Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%--IRAs
0.15%--Shares
0.15%--Christmas Club

Northern Lights Community Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%--12 Month CD
0.20%--6 Month CD

Northern Lights Community Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%--12 Month IRA
0.20%--6 Month IRA
Locations


Northern Lights Community Federal Credit Union Locations
Branch OfficePO Box 126Chatham, MI 49816

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