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Employer Identification Number 38-1627377

Credit Unions Chartered in the State of Michigan is a USA domiciled entity or foreign entity operating in the USA. The EIN ihas been issued by the IRS

Company Name:Credit Unions Chartered in the State of Michigan
Employer identification number (EIN):38-1627377
EIN Issuing AuthorityCincinnati, OH
Federal tax statusExempt from federal income tax. Registered as a non-profit under 501(c)(3) Title 26 of the United States Code

Organization Overview

Mission StatementHARBORLIGHT CREDIT UNION EXISTS TO IMPROVE THE FINANCIAL WELL-BEING OF OUR MEMBERS.
Number of Employees43
Number of Volunteers10
Year Formed1954

Organization Governance

Legal DomicileMI
Voting Members - Governing Body7
Voting Members - Independent7

Organization Financials

2022-12-31
Total unrelated business incomeUSD $ 131,745
Program Service Revenue from prior yearUSD $ 5,891,753
Program Service Revenue from current yearUSD $ 6,259,034
Investment Income from prior yearUSD $ 662,737
Investment Income from current yearUSD $ 960,044
Other Revenue from current yearUSD $ 0
Gross receipts from all sourcesUSD $ 7,219,078
Net assets / fund balances at end of fiscal yearUSD $ 12,215,638
Net assets / fund balances at beginning of fiscal yearUSD $ 11,969,901
Total liabilities at end of fiscal yearUSD $ 157,714,894
Total liabilities at beginning of fiscal yearUSD $ 147,164,822
Total assets at end of fiscal yearUSD $ 169,930,532
Total assets at beginning of fiscal yearUSD $ 159,134,723
Revenues less expenses for current yearUSD $ 823,604
Revenues less expenses for previous yearUSD $ 709,154
Total expenses for current yearUSD $ 6,395,474
Total expenses for previous yearUSD $ 5,845,336
Other expenses in current yearUSD $ 3,979,769
Other expenses in previous yearUSD $ 3,716,862
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 2,415,705
Employee salary and benefits paid in previous yearUSD $ 2,128,474
Benefits paid to or for members in current yearUSD $ 0
Grants and similar amounts paid in current yearUSD $ 0
Total revenue in current fiscal yearUSD $ 7,219,078
Total revenue in previous fiscal yearUSD $ 6,554,490
Contributions and grants from current yearUSD $ 0
Total of other revenueUSD $ 0
2021-12-31
Total unrelated business incomeUSD $ 115,918
Program Service Revenue from prior yearUSD $ 5,661,926
Program Service Revenue from current yearUSD $ 5,891,753
Investment Income from prior yearUSD $ 759,498
Investment Income from current yearUSD $ 662,737
Other Revenue from current yearUSD $ 0
Gross receipts from all sourcesUSD $ 6,554,490
Net assets / fund balances at end of fiscal yearUSD $ 11,969,901
Net assets / fund balances at beginning of fiscal yearUSD $ 11,305,437
Total liabilities at end of fiscal yearUSD $ 147,164,822
Total liabilities at beginning of fiscal yearUSD $ 130,619,096
Total assets at end of fiscal yearUSD $ 159,134,723
Total assets at beginning of fiscal yearUSD $ 141,924,533
Revenues less expenses for current yearUSD $ 709,154
Revenues less expenses for previous yearUSD $ 189,765
Total expenses for current yearUSD $ 5,845,336
Total expenses for previous yearUSD $ 6,233,159
Other expenses in current yearUSD $ 3,716,862
Other expenses in previous yearUSD $ 4,392,209
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 2,128,474
Employee salary and benefits paid in previous yearUSD $ 1,840,950
Benefits paid to or for members in current yearUSD $ 0
Grants and similar amounts paid in current yearUSD $ 0
Total revenue in current fiscal yearUSD $ 6,554,490
Total revenue in previous fiscal yearUSD $ 6,422,924
Contributions and grants from current yearUSD $ 0
Contributions and grants from previous yearUSD $ 1,500
Total of other revenueUSD $ 0
2020-12-31
Total unrelated business incomeUSD $ 105,058
Net unrelated business incomeUSD $ -1,464
Program Service Revenue from prior yearUSD $ 5,565,134
Program Service Revenue from current yearUSD $ 5,661,926
Investment Income from prior yearUSD $ 991,103
Investment Income from current yearUSD $ 759,498
Other Revenue from current yearUSD $ 0
Gross receipts from all sourcesUSD $ 6,422,924
Net assets / fund balances at end of fiscal yearUSD $ 11,305,437
Net assets / fund balances at beginning of fiscal yearUSD $ 11,042,173
Total liabilities at end of fiscal yearUSD $ 130,619,096
Total liabilities at beginning of fiscal yearUSD $ 105,984,137
Total assets at end of fiscal yearUSD $ 141,924,533
Total assets at beginning of fiscal yearUSD $ 117,026,310
Revenues less expenses for current yearUSD $ 189,765
Revenues less expenses for previous yearUSD $ 443,662
Total expenses for current yearUSD $ 6,233,159
Total expenses for previous yearUSD $ 6,114,575
Other expenses in current yearUSD $ 4,392,209
Other expenses in previous yearUSD $ 4,337,168
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 1,840,950
Employee salary and benefits paid in previous yearUSD $ 1,777,407
Benefits paid to or for members in current yearUSD $ 0
Grants and similar amounts paid in current yearUSD $ 0
Total revenue in current fiscal yearUSD $ 6,422,924
Total revenue in previous fiscal yearUSD $ 6,558,237
Contributions and grants from current yearUSD $ 1,500
Contributions and grants from previous yearUSD $ 2,000
Total of other revenueUSD $ 0
2019-12-31
Total unrelated business incomeUSD $ 44,516
Net unrelated business incomeUSD $ -100
Program Service Revenue from prior yearUSD $ 4,980,359
Program Service Revenue from current yearUSD $ 5,565,134
Investment Income from prior yearUSD $ 842,642
Investment Income from current yearUSD $ 991,103
Other Revenue from prior yearUSD $ 17,016
Other Revenue from current yearUSD $ 0
Gross receipts from all sourcesUSD $ 6,558,237
Net assets / fund balances at end of fiscal yearUSD $ 11,042,173
Net assets / fund balances at beginning of fiscal yearUSD $ 10,530,843
Total liabilities at end of fiscal yearUSD $ 105,984,137
Total liabilities at beginning of fiscal yearUSD $ 99,533,426
Total assets at end of fiscal yearUSD $ 117,026,310
Total assets at beginning of fiscal yearUSD $ 110,064,269
Revenues less expenses for current yearUSD $ 443,662
Revenues less expenses for previous yearUSD $ 71,565
Total expenses for current yearUSD $ 6,114,575
Total expenses for previous yearUSD $ 5,768,452
Other expenses in current yearUSD $ 4,337,168
Other expenses in previous yearUSD $ 3,986,918
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 1,777,407
Employee salary and benefits paid in previous yearUSD $ 1,778,534
Benefits paid to or for members in current yearUSD $ 0
Grants and similar amounts paid in current yearUSD $ 0
Grants and similar amounts paid in previous yearUSD $ 3,000
Total revenue in current fiscal yearUSD $ 6,558,237
Total revenue in previous fiscal yearUSD $ 5,840,017
Contributions and grants from current yearUSD $ 2,000
Total of other revenueUSD $ 0
2018-12-31
Total unrelated business incomeUSD $ 16,733
Program Service Revenue from prior yearUSD $ 4,434,994
Program Service Revenue from current yearUSD $ 4,980,359
Investment Income from prior yearUSD $ 641,400
Investment Income from current yearUSD $ 842,642
Other Revenue from prior yearUSD $ 38,951
Other Revenue from current yearUSD $ 17,016
Gross receipts from all sourcesUSD $ 5,840,017
Net assets / fund balances at end of fiscal yearUSD $ 10,530,843
Net assets / fund balances at beginning of fiscal yearUSD $ 10,472,554
Total liabilities at end of fiscal yearUSD $ 99,533,426
Total liabilities at beginning of fiscal yearUSD $ 95,400,463
Total assets at end of fiscal yearUSD $ 110,064,269
Total assets at beginning of fiscal yearUSD $ 105,873,017
Revenues less expenses for current yearUSD $ 71,565
Revenues less expenses for previous yearUSD $ -81,603
Total expenses for current yearUSD $ 5,768,452
Total expenses for previous yearUSD $ 5,197,948
Other expenses in current yearUSD $ 3,986,918
Other expenses in previous yearUSD $ 3,602,505
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 1,778,534
Employee salary and benefits paid in previous yearUSD $ 1,593,443
Benefits paid to or for members in current yearUSD $ 0
Grants and similar amounts paid in current yearUSD $ 3,000
Grants and similar amounts paid in previous yearUSD $ 2,000
Total revenue in current fiscal yearUSD $ 5,840,017
Total revenue in previous fiscal yearUSD $ 5,116,345
Contributions and grants from current yearUSD $ 0
Contributions and grants from previous yearUSD $ 1,000
2017-12-31
Total unrelated business incomeUSD $ 26,224
Net unrelated business incomeUSD $ -30,797
Program Service Revenue from prior yearUSD $ 4,293,328
Program Service Revenue from current yearUSD $ 4,434,994
Investment Income from prior yearUSD $ 627,847
Investment Income from current yearUSD $ 641,400
Other Revenue from prior yearUSD $ 17,883
Other Revenue from current yearUSD $ 38,951
Gross receipts from all sourcesUSD $ 5,116,345
Net assets / fund balances at end of fiscal yearUSD $ 10,472,554
Net assets / fund balances at beginning of fiscal yearUSD $ 10,526,578
Total liabilities at end of fiscal yearUSD $ 95,400,463
Total liabilities at beginning of fiscal yearUSD $ 90,182,366
Total assets at end of fiscal yearUSD $ 105,873,017
Total assets at beginning of fiscal yearUSD $ 100,708,944
Revenues less expenses for current yearUSD $ -81,603
Revenues less expenses for previous yearUSD $ 392,029
Total expenses for current yearUSD $ 5,197,948
Total expenses for previous yearUSD $ 4,549,093
Other expenses in current yearUSD $ 3,602,505
Other expenses in previous yearUSD $ 3,117,904
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 1,593,443
Employee salary and benefits paid in previous yearUSD $ 1,429,189
Benefits paid to or for members in current yearUSD $ 0
Grants and similar amounts paid in current yearUSD $ 2,000
Grants and similar amounts paid in previous yearUSD $ 2,000
Total revenue in current fiscal yearUSD $ 5,116,345
Total revenue in previous fiscal yearUSD $ 4,941,122
Contributions and grants from current yearUSD $ 1,000
Contributions and grants from previous yearUSD $ 2,064
2016-12-31
Total unrelated business incomeUSD $ 17,909
Net unrelated business incomeUSD $ -30,637
Program Service Revenue from prior yearUSD $ 3,905,683
Program Service Revenue from current yearUSD $ 4,293,328
Investment Income from prior yearUSD $ 462,654
Investment Income from current yearUSD $ 627,847
Other Revenue from prior yearUSD $ 18,618
Other Revenue from current yearUSD $ 17,883
Gross receipts from all sourcesUSD $ 5,141,891
Net assets / fund balances at end of fiscal yearUSD $ 10,526,578
Net assets / fund balances at beginning of fiscal yearUSD $ 10,177,479
Total liabilities at end of fiscal yearUSD $ 90,182,366
Total liabilities at beginning of fiscal yearUSD $ 83,637,527
Total assets at end of fiscal yearUSD $ 100,708,944
Total assets at beginning of fiscal yearUSD $ 93,815,006
Revenues less expenses for current yearUSD $ 392,029
Revenues less expenses for previous yearUSD $ 163,979
Total expenses for current yearUSD $ 4,549,093
Total expenses for previous yearUSD $ 4,222,976
Other expenses in current yearUSD $ 3,117,904
Other expenses in previous yearUSD $ 2,786,529
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 1,429,189
Employee salary and benefits paid in previous yearUSD $ 1,436,447
Benefits paid to or for members in current yearUSD $ 0
Grants and similar amounts paid in current yearUSD $ 2,000
Total revenue in current fiscal yearUSD $ 4,941,122
Total revenue in previous fiscal yearUSD $ 4,386,955
Contributions and grants from current yearUSD $ 2,064
2014-12-31
Total unrelated business incomeUSD $ 73,663
Net unrelated business incomeUSD $ -6,740
Program Service Revenue from prior yearUSD $ 3,595,486
Program Service Revenue from current yearUSD $ 3,560,914
Investment Income from prior yearUSD $ 437,943
Investment Income from current yearUSD $ 496,142
Other Revenue from prior yearUSD $ 0
Other Revenue from current yearUSD $ 0
Gross receipts from all sourcesUSD $ 4,057,056
Net assets / fund balances at end of fiscal yearUSD $ 10,015,243
Net assets / fund balances at beginning of fiscal yearUSD $ 9,901,961
Total liabilities at end of fiscal yearUSD $ 82,716,483
Total liabilities at beginning of fiscal yearUSD $ 80,236,877
Total assets at end of fiscal yearUSD $ 92,731,726
Total assets at beginning of fiscal yearUSD $ 90,138,838
Revenues less expenses for current yearUSD $ -49,523
Revenues less expenses for previous yearUSD $ -70,186
Total expenses for current yearUSD $ 4,106,579
Total expenses for previous yearUSD $ 4,103,615
Other expenses in current yearUSD $ 2,626,177
Other expenses in previous yearUSD $ 2,671,398
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 1,480,402
Employee salary and benefits paid in previous yearUSD $ 1,432,217
Benefits paid to or for members in current yearUSD $ 0
Benefits paid to or for members in previous yearUSD $ 0
Grants and similar amounts paid in current yearUSD $ 0
Grants and similar amounts paid in previous yearUSD $ 0
Total revenue in current fiscal yearUSD $ 4,057,056
Total revenue in previous fiscal yearUSD $ 4,033,429
Contributions and grants from current yearUSD $ 0
Contributions and grants from previous yearUSD $ 0
Total of other revenueUSD $ 0

Other Company Names associated with EIN

HARBORLIGHT CREDIT UNION
HARBORLIGHT CREDIT UNIOIN

Organization Addresses

The following addresses have been detected as associated with Tax Indentification Number 381627377

USA Mailing Address
2151 Cogswell Drive
Whitehall
MI
49461
Date first seen: 2009-01-01
Date last seen: 2024-06-30

Nearby companies/organizations

The following companies are located in the same ZIP code areas:

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