CU Explorer
Credit unions · Michigan · Q2 2026

Northern Lights Community FCU

Credit union in Chatham, MI · NCUA charter #5272 · Federal charter

Legal name: Northern Lights Community

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$12.9M
Total loans & leases$3.4M
Total shares & deposits$11.6M
Members1,286
Net worth$1.3M
Net worth / assets9.75%
Loans / assets26.22%
Return on assets (annualized)2.14%
Loan growth (YoY)−5.88%
Member growth (YoY)6.46%
Delinquency, all loans (60+ days)1.67%
CharterFederal charter
Asset band< $50M
NCUA peer group$10M–$50M
Sponsor typeCommunity

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech auto lending, fintech secured lending, fintech unsecured lending, online membership application, bill payment, e-signature, e-Statements, remote deposit capture. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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