NORTH SHORE
Silver Bay, MN · Federal Credit Union · Chartered in MN
Who can join
Type 66
Members
13,976
Net Worth Ratio
12.77%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$281.6M
Peer Group 5
Members
13,976
as of latest quarter
Net Worth Ratio
12.77%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Financial Snapshot
Total Assets
$281.6M
Total Shares
$244.3M
Total Loans
$217.2M
Net Income
$412K
Net Worth Ratio
12.77%
≥7% = Well Capitalized
Members
13,976
Return on Assets
0.15%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.14%
$308K
Loan-to-share ratio: 88.9%· healthy range 60–80%
Branch Locations
NCUASilver Bay
85 Outer Dr, Silver Bay, MN, 55614-1132
8:00 am - 5:00 pm drive up 8:30 am - 4:30 pm Monday - Friday
Grand Marais
122 E Highway 61, Grand Marais, MN, 55604
8:00 am - 5:00 pm drive up 8:30 am - 4:30 pm Monday - Friday
Lutsen
5335 W Highway 61, Lutsen, MN, 55612-9542
8:00 am - 5:00 pm drive up 8:30 am - 1:00 pm, 2:00 pm - 4:30 pm Monday - Friday
Grand Portage
77 Mile Creek Rd, Grand Portage, MN, 55605-3028
12-5 M,T,T,F
Two Harbors
404 7th Ave, Two Harbors, MN, 55616-1450
8:00 am - 5:00 pm drive up 8:30 am - 4:30 pm Monday - Friday
Duluth - Endi
2104 London Rd, Duluth, MN, 55812
8:30 am - 4:30 pm Monday - Friday
Duluth - Lincoln Park
1902 W Superior St, Duluth, MN, 55806-2141
8:30 am - 4:30 pm Monday - Friday
Duluth - Pike Lake
5671 Miller Trunk Hwy, Duluth, MN, 55811-1229
8:30 am - 4:30 pm Monday - Friday
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/north-shore" target="_blank" rel="noopener">View NORTH SHORE on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.