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

Northern Lights Community Federal Credit Union is headquartered in Chatham and is the 208th largest credit union in the state of Michigan. It is also the 4,257th largest credit union in the nation. It was established in 1945 and as of September of 2018, it had grown to 4 employees and 1,494 members at 1 location. Northern Lights Community Federal Credit Union has a B health rating.

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Health
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 - YTD0.18%
Return on Equity - YTD1.81%
Annual Interest Income$246.00K
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$8.2MM$8.1MM
LoansQ3 2018vs Q3 2017$4.2MM$4.0MM
DepositsQ3 2018vs Q3 2017$7.4MM$7.3MM
Equity CapitalQ3 2018vs Q3 2017$810.00K$789.00K
Loan Loss AllowanceQ3 2018vs Q3 2017$49.00K$77.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$1,000$17.00K
Real Estate OwnedQ3 2018vs Q3 2017$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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