NORTHERN COMMUNITIES
Duluth, MN · State Credit Union · Chartered in MN
Who can join
Type 99
Members
6,869
Net Worth Ratio
10.51%
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
$126.8M
Peer Group 5
Members
6,869
as of latest quarter
Net Worth Ratio
10.51%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Financial Snapshot
Total Assets
$126.8M
Total Shares
$111.9M
Total Loans
$98.8M
Net Income
$266K
Net Worth Ratio
10.51%
≥7% = Well Capitalized
Members
6,869
Return on Assets
0.21%
annualized · >0.5% healthy
Delinquency Rate (60d+)
1.37%
$1.4M
Loan-to-share ratio: 88.3%· healthy range 60–80%
Branch Locations
NCUAArrowhead
3311 W Arrowhead Rd, Duluth, MN, 55811-4065
Monday - Friday 8:30am to 5:00pm Drive-Up Monday - Friday 7:30am to 6:00pm Saturday 8:00am to 12:00 noon
Virginia
800 S 16th Ave, Virginia, MN, 55792-3300
Monday - Friday 8:30am to 5:00pm Drive-Up Monday - Thursday 7:30am to 5:00pm Friday 7:30am to 6:00pm
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/northern-communities" target="_blank" rel="noopener">View NORTHERN COMMUNITIES on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.