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Credit Unions Chartered In The State Of Michigan

367 Harborlight Credit Union

Organization summary

Type of Nonprofit

Designated as a State-chartered credit unions and mutual reserve funds.

Donations to this organization are not tax deductible.

Summary charts: organization finances over time

Revenue
$8.65M (2023)

Expenses
$7.4M (2023)

Total Assets
$155M (2023)

Total Liabilities
$140M (2023)

Source: Form 990 tax filings from 2011 to 2023

Tax Filings by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. If this organization filed an amended return, it may not be reflected below. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Form 990 data is from the IRS.

Fiscal Year Ending Dec.
2023

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$8,649,191
Expenses
$7,399,927
Net Income
$1,249,264
Net Assets
$14,594,856
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $7,525,965
87.0%
Investment Income $1,123,226
13.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $400,929
5.4%
Professional Fundraising Fees $0
Other Salaries and Wages $1,811,611
24.5%
Assets/Debt
Total Assets $154,862,707
Total Liabilities $140,267,851
Net Assets $14,594,856
Compensation
Key Employees and Officers Compensation Related Other
Justin Bamford (Ceo) $151,534 $0 $35,303
Stephanie Wyman (Coo) $87,916 $0 $13,544
Heather Carr (Vice President) $83,610 $0 $29,022
Rita Kosheba (Secretary) $0 $0 $0
Sharon Swaninger (Treasurer) $0 $0 $0
Steven Salter (Director) $0 $0 $0
Lee Andrews (Chairman) $0 $0 $0
Larry Goldner (Director) $0 $0 $0
Jeff Colston (Director) $0 $0 $0
Nicole Osborn (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$7,219,078
Expenses
$6,395,474
Net Income
$823,604
Net Assets
$12,215,638
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $6,259,034
86.7%
Investment Income $960,044
13.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $328,982
5.1%
Professional Fundraising Fees $0
Other Salaries and Wages $1,638,874
25.6%
Assets/Debt
Total Assets $169,930,532
Total Liabilities $157,714,894
Net Assets $12,215,638
Compensation
Key Employees and Officers Compensation Related Other
Justin Bamford (Ceo) $137,305 $0 $34,378
Stephanie Wyman (Coo) $81,484 $0 $12,648
Chris Harris (Cfo) $77,500 $0 $0
Rita Kosheba (Secretary) $0 $0 $0
Steven Mayberry (Vice Chair) $0 $0 $0
Allen Rant (Director) $0 $0 $0
Sharon Swaninger (Treasurer) $0 $0 $0
Steven Salter (Director) $0 $0 $0
Lee Andrews (Chairperson) $0 $0 $0
Larry Goldner (Director) $0 $0 $0
Donna Vangeison (Clo) $0 $0 $0
Barbara Blair () $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$6,554,490
Expenses
$5,845,336
Net Income
$709,154
Net Assets
$11,969,901
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $5,891,753
89.9%
Investment Income $662,737
10.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $318,821
5.5%
Professional Fundraising Fees $0
Other Salaries and Wages $1,405,939
24.1%
Assets/Debt
Total Assets $159,134,723
Total Liabilities $147,164,822
Net Assets $11,969,901
Compensation
Key Employees and Officers Compensation Related Other
Justin Bamford (Ceo) $137,305 $0 $33,223
Stephanie Wyman (Coo) $71,663 $0 $11,627
Chris Harris (Cfo) $65,000 $0 $0
Rita Kosheba (Secretary) $0 $0 $0
Steven Mayberry (Vice Chair) $0 $0 $0
Allen Rant (Chairperson) $0 $0 $0
Sharon Swaninger (Treasurer) $0 $0 $0
Steven Salter (Director) $0 $0 $0
Lee Andrews (Director) $0 $0 $0
Larry Goldner (Director) $0 $0 $0
Donna Vangeison (Clo) $0 $0 $0
Barbara Blair () $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$6,422,924
Expenses
$6,233,159
Net Income
$189,765
Net Assets
$11,305,437
Notable Sources of Revenue Percent of Total Revenue
Contributions $1,500
0.0%
Program Services $5,661,926
88.2%
Investment Income $759,498
11.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $296,383
4.8%
Professional Fundraising Fees $0
Other Salaries and Wages $1,185,760
19.0%
Assets/Debt
Total Assets $141,924,533
Total Liabilities $130,619,096
Net Assets $11,305,437
Compensation
Key Employees and Officers Compensation Related Other
Justin Bamford (Ceo) $126,330 $0 $28,489
Stephanie Wyman (Coo) $70,319 $0 $9,995
Barbara Blair () $62,874 $0 $9,534
Chris Harris (Cfo) $61,250 $0 $0
Rita Kosheba (Secretary) $0 $0 $0
Steven Mayberry (Vice Chair) $0 $0 $0
Allen Rant (Chairperson) $0 $0 $0
Sharon Swaninger (Treasurer) $0 $0 $0
Steven Salter (Director) $0 $0 $0
Lee Andrews (Director) $0 $0 $0
Larry Goldner (Director) $0 $0 $0
Donna Vangeison (Clo) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$6,558,237
Expenses
$6,114,575
Net Income
$443,662
Net Assets
$11,042,173
Notable Sources of Revenue Percent of Total Revenue
Contributions $2,000
0.0%
Program Services $5,565,134
84.9%
Investment Income $991,103
15.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $223,138
3.6%
Professional Fundraising Fees $0
Other Salaries and Wages $1,186,004
19.4%
Assets/Debt
Total Assets $117,026,310
Total Liabilities $105,984,137
Net Assets $11,042,173
Compensation
Key Employees and Officers Compensation Related Other
Justin Bamford (Ceo) $119,935 $0 $26,243
Barbara Blair (Cfo) $58,177 $0 $9,393
Donna Vangeison (Clo) $8,370 $0 $1,020
Rita Kosheba (Secretary) $0 $0 $0
Steven Mayberry (Vice Chair) $0 $0 $0
Allen Rant (Chairperson) $0 $0 $0
Sharon Swaninger (Treasurer) $0 $0 $0
Steven Salter (Director) $0 $0 $0
Lee Andrews (Director) $0 $0 $0
Larry Goldner (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$5,840,017
Expenses
$5,768,452
Net Income
$71,565
Net Assets
$10,530,843
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,980,359
85.3%
Investment Income $842,642
14.4%
Bond Proceeds $0
Royalties $17,016
0.3%
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $290,602
5.0%
Professional Fundraising Fees $0
Other Salaries and Wages $1,056,891
18.3%
Assets/Debt
Total Assets $110,064,269
Total Liabilities $99,533,426
Net Assets $10,530,843
Compensation
Key Employees and Officers Compensation Related Other
Linda Hughey (Ceo (To Dec') $105,517 $0 $34,018
Heather Carr (Coo) $60,206 $0 $31,941
Barbara Blair (Cfo) $53,384 $0 $11,590
Donna Vangeison (Clo) $53,003 $0 $16,358
Justin Bamford (Ceo (Current) $18,492 $0 $0
Allen Rant (Chair) $0 $0 $0
Steve Mayberry (Vice Chair) $0 $0 $0
Kevin Spencer (Treasurer) $0 $0 $0
Rita Kosheba (Secretary) $0 $0 $0
Thomas George (Director) $0 $0 $0
Sharon Swaninger (Director) $0 $0 $0
Leon Kay (Director) $0 $0 $0
Summer Klomp (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$5,116,345
Expenses
$5,197,948
Net Income
-$81,603
Net Assets
$10,472,554
Notable Sources of Revenue Percent of Total Revenue
Contributions $1,000
0.0%
Program Services $4,434,994
86.7%
Investment Income $641,400
12.5%
Bond Proceeds $0
Royalties $38,951
0.8%
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $157,678
3.0%
Professional Fundraising Fees $0
Other Salaries and Wages $1,025,681
19.7%
Assets/Debt
Total Assets $105,873,017
Total Liabilities $95,400,463
Net Assets $10,472,554
Compensation
Key Employees and Officers Compensation Related Other
Linda Hughey (Ceo) $105,459 $0 $33,802
Barbara Blair (Cfo) $52,219 $0 $11,591
Allen Rant (Chair) $0 $0 $0
Steve Mayberry (Vice Chair) $0 $0 $0
Thomas George (Treasurer) $0 $0 $0
Rita Kosheba (Secretary) $0 $0 $0
Sharon Swaninger (Director) $0 $0 $0
Leon Kay (Director) $0 $0 $0
Kevin Spencer (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,941,122
Expenses
$4,549,093
Net Income
$392,029
Net Assets
$10,526,578
Notable Sources of Revenue Percent of Total Revenue
Contributions $2,064
0.0%
Program Services $4,293,328
86.9%
Investment Income $486,554
9.8%
Bond Proceeds $0
Royalties $17,883
0.4%
Rental Property Income $0
Net Fundraising $0
Sales of Assets $141,293
2.9%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $147,742
3.2%
Professional Fundraising Fees $0
Other Salaries and Wages $899,481
19.8%
Assets/Debt
Total Assets $100,708,944
Total Liabilities $90,182,366
Net Assets $10,526,578
Compensation
Key Employees and Officers Compensation Related Other
Linda Hughey (Ceo) $99,446 $0 $38,487
Barbara Blair (Cfo) $48,296 $0 $13,418
Allen Rant (Board Presid) $0 $0 $0
Steve Mayberry (Vice Chair) $0 $0 $0
Thomas George (Treasurer) $0 $0 $0
Rita Kosheba (Secretary) $0 $0 $0
Sharon Swaninger (Director) $0 $0 $0
Leon Kay (Director) $0 $0 $0
Kevin Spencer (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,386,955
Expenses
$4,222,976
Net Income
$163,979
Net Assets
$10,177,479
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,905,683
89.0%
Investment Income $461,569
10.5%
Bond Proceeds $0
Royalties $18,618
0.4%
Rental Property Income $0
Net Fundraising $0
Sales of Assets $1,085
0.0%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $141,450
3.3%
Professional Fundraising Fees $0
Other Salaries and Wages $904,230
21.4%
Assets/Debt
Total Assets $93,815,006
Total Liabilities $83,637,527
Net Assets $10,177,479
Compensation
Key Employees and Officers Compensation Related Other
Linda Hughey (Ceo) $97,156 $0 $48,402
Barbara Blair (Accounting M) $44,294 $0 $16,111
Allen Rant (Board Presid) $0 $0 $0
Thomas George (Treasurer) $0 $0 $0
Summer Klomp (Secretary) $0 $0 $0
Sharon Swaninger (Director) $0 $0 $0
Steve Mayberry (Director) $0 $0 $0
Leon Kay (Director) $0 $0 $0
Rita Kosheba (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,057,056
Expenses
$4,106,579
Net Income
-$49,523
Net Assets
$10,015,243
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,560,914
87.8%
Investment Income $495,922
12.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $220
0.0%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $183,416
4.5%
Professional Fundraising Fees $0
Other Salaries and Wages $916,770
22.3%
Assets/Debt
Total Assets $92,731,726
Total Liabilities $82,716,483
Net Assets $10,015,243
Compensation
Key Employees and Officers Compensation Related Other
Linda Hughey (Ceo) $95,635 $0 $37,727
Barbara Blair (Cfo) $39,439 $0 $10,615
Rita Kosheba (Chairperson) $0 $0 $0
Steven Mayberry (Vice Chairperson) $0 $0 $0
Thomas George (Treasurer) $0 $0 $0
Allen Rant (Director) $0 $0 $0
John Lutz (Secretary) $0 $0 $0
Peter Curcio (Director Until 5/29/14) $0 $0 $0
Leon Kay (Director From 7/21/14) $0 $0 $0
Summer Klomp (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,033,429
Expenses
$4,103,615
Net Income
-$70,186
Net Assets
$9,901,961
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,595,486
89.1%
Investment Income $437,893
10.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $50
0.0%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $179,520
4.4%
Professional Fundraising Fees $0
Other Salaries and Wages $900,080
21.9%
Assets/Debt
Total Assets $90,138,838
Total Liabilities $80,236,877
Net Assets $9,901,961
Compensation
Key Employees and Officers Compensation Related Other
Linda Hughey (Ceo) $95,334 $0 $37,772
Barb Blair (Cfo In Training) $34,831 $0 $11,583
Rita Kosheba (Board President) $0 $0 $0
Steve Mayberry (Board Vice President) $0 $0 $0
Sharon Swaninger (Treasurer Until 5/11/13) $0 $0 $0
Thomas George (Secretary Until 5/11/13 Then Treasurer) $0 $0 $0
Sharon Robbins (Board Member Until 5/11/13) $0 $0 $0
Al Rant (Board Member) $0 $0 $0
John Lutz (Board Secretary) $0 $0 $0
Peter Curcio (Board Member From 5/12/13) $0 $0 $0
Leon Kay (Board Member From 5/12/13) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,189,319
Expenses
$4,065,999
Net Income
$123,320
Net Assets
$10,291,201
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,751,137
89.5%
Investment Income $464,762
11.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$26,580
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $143,060
3.5%
Professional Fundraising Fees $0
Other Salaries and Wages $896,130
22.0%
Assets/Debt
Total Assets $85,622,331
Total Liabilities $75,331,130
Net Assets $10,291,201

Document Links

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,352,340
Expenses
$4,590,716
Net Income
-$238,376
Net Assets
$10,065,073
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,840,592
88.2%
Investment Income $548,357
12.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$36,609
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $225,914
4.9%
Professional Fundraising Fees $0
Other Salaries and Wages $811,907
17.7%
Assets/Debt
Total Assets $83,982,723
Total Liabilities $73,917,650
Net Assets $10,065,073

Document Links

Fiscal Year Ending Dec.
2010

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2009

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2008

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2007

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2006

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

About This Data

Nonprofit Explorer includes summary data for nonprofit tax returns and full Form 990 documents, in both PDF and digital formats.

The summary data contains information processed by the IRS during the 2012-2019 calendar years; this generally consists of filings for the 2011-2018 fiscal years, but may include older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

Which Organizations Are Here?

Every organization that has been recognized as tax exempt by the IRS has to file Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard."

Nonprofit Explorer has organizations claiming tax exemption in each of the 27 subsections of the 501(c) section of the tax code, and which have filed a Form 990, Form 990EZ or Form 990PF. Taxable trusts and private foundations that are required to file a form 990PF are also included. Small organizations filing a Form 990N "e-Postcard" are not included in this data.

Types of Nonprofits

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

Get the Data

For those interested in acquiring the original data from the source, here’s where our data comes from:

  • Raw filing data. Includes EINs and summary financials as structured data.
  • Exempt Organization profiles. Includes organization names, addresses, etc. You can merge this with the raw filing data using EIN numbers.
  • Form 990 documents. Prior to 2017, these documents were obtained and processed by Public.Resource.org and ProPublica. Bulk PDF downloads since 2017 are available from the IRS.
  • Form 990 documents as XML files. Includes complete filing data (financial details, names of officers, tax schedules, etc.) in machine-readable format. Only available for electronically filed documents. Electronic data released prior to October 2021 is also available through Amazon Web Services.
  • Audits. PDFs of single or program-specific audits for nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year. Available for fiscal year 2015 and later.

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