NORTHWOODS
Cloquet, MN · State Credit Union · Chartered in MN
Who can join
Type 99
Members
11,728
Net Worth Ratio
9.35%
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
$178.0M
Peer Group 5
Members
11,728
as of latest quarter
Net Worth Ratio
9.35%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Financial Snapshot
Total Assets
$178.0M
Total Shares
$159.1M
Total Loans
$131.6M
Net Income
$425K
Net Worth Ratio
9.35%
≥7% = Well Capitalized
Members
11,728
Return on Assets
0.24%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.19%
$247K
Loan-to-share ratio: 82.7%· healthy range 60–80%
Branch Locations
NCUA1702 Avenue B
1702 Avenue B, Cloquet, MN, 55720
8:30 a.m. - 5:00 p.m. Monday, Tuesday, Thursday, and Friday 9:00 a.m. - 5:00 p.m. Wednesday
902 Stanley Avenue
902 Stanley Ave, Cloquet, MN, 55720
7:00 a.m. - 5:30 p.m. Monday, Tuesday, Thursday, Friday9:00 a.m. - 5:30 p.m. WednesdayDrive-up (Sat) 9:00 a.m. - 12:00 p.m.
Moose Lake Branch
90 Arrowhead Ln, Moose Lake, MN, 55767-9453
8:00 a.m. - 5:30 p.m. Monday, Tuesday, Thursday, Friday9:00 a.m. - 5:30 p.m. Wednesday9:00 a.m. - 12:00 p.m. Saturday (Drive-up Only)
Floodwood Branch
224 Highway 2 W, Floodwood, MN, 55736-4538
8:00 a.m. - 5:00 p.m. Monday, Tuesday, Thursday, Friday9:00 a.m. - 5:00 p.m. Wednesday9:00 a.m. - 12:00 p.m. Saturday (Drive-Thru only)
1201 Tall Pine Ln
1201 Tall Pine Ln, Cloquet, MN, 55720
M-F 8:30 am - 5:00 pm
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/northwoods" target="_blank" rel="noopener">View NORTHWOODS on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.