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Safe Harbor
Ludington, MI · NCUA Charter #61988 · State charter, federally insured · Chartered 1952
Total assets
$183.81M
Shares & deposits
$165.33M
Total loans
$149.63M
Members
8,984
Net worth
$17.37M
Branches
1
Rank: #1,347 of 4,299 U.S. credit unions by assets · #86 of 169 in Michigan. Assets changed 0.7% and membership -0.1% over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 9.45% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 1.44% |
| Loans to shares & deposits | 90.5% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $122.37M | $111.98M | $0 | $10.91M |
| Jun 2023 | $138.64M | $120.20M | $0 | $12.79M |
| Jun 2024 | $157.45M | $142.99M | $0 | $14.24M |
| Jun 2025 | $182.44M | $165.47M | $0 | $16.56M |
| Jun 2026 | $183.81M | $165.33M | $0 | $17.37M |
Branch footprint
| State | Branches |
|---|---|
| Michigan | 1 |
Similar-sized credit unions
Chemcel ($184.00M) · First Choice Financial ($183.68M)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
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