State credit union · DULUTH, Minnesota · NCUA charter #60207
Harbor Pointe
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $152.4M
- Total assets
- 8,014
- Members
- 13.4%
- Net-worth ratio
Harbor Pointe scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $152.4M; members 8,014; net-worth ratio 13.35%; health rank #1,092 of 4,374; healthier than 73rd of scored peers.
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NCUA 5300 Call Report Masthead
#1,092 of 4,374 health · 2025Q4Harbor Pointe · health 90/100 · $152.4M · 2025Q4
Call Report peers
Harbor Pointe in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Harbor Pointe vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Harbor Pointe sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Harbor Pointe diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +24.06 pp (96.26% vs 72.20%).
Harbor Pointe: in-state Call Report ranks
- Minnesota health ordinal: #28 of 82.
- Minnesota assets place: #36 of 82.
- Membership ranks #37 of 82 among Minnesota CUs with a reported count (8,014 members).
- One place up in Minnesota, BLAZE (#27) scores 91/100, 1 point higher; one place down, City & County (#29) ties at 90/100.
How Harbor Pointe's 5300 filing moved
Harbor Pointe: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.4% from $152.4M (2025Q4) to $157.5M (2026Q1).
- Net-worth ratio shifted -0.08 pp (13.43% → 13.35%).
This credit union's 13.35% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 90/100 score is built
Harbor Pointe gives up 10 points in total. Member Growth costs the most, 7.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.8 pts
- Loan-to-Share Ratio 12.2 pts
Call Report ratios for Harbor Pointe
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.35% | +1.24 pp |
| Delinquency Rate | 0.27% | -0.62 pp |
| Return on Assets | 1.16% | +0.53 pp |
| Member Growth | -0.68% | - |
| Loan-to-Share Ratio | 96.26% | +24.06 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $157.5M | - |
| 2025Q4 | $152.4M | 8,014 |
| 2024Q4 | $144.0M | 8,069 |
| 2023Q4 | $146.2M | 8,099 |
Credit Union Details
- Charter Number
- 60207
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Minnesota
- City
- DULUTH
- Data Quarter
- 2025Q4
Branch Locations (4)
Harbor Pointe operates 4 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Downtown Main Office (Main Office) | Duluth, MN |
| Fiserv- Integrasys- Portico | Brookfield, WI |
| Kenwood Branch | Duluth, MN |
| Miller Hill Branch | Duluth, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
A look at other Minnesota credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Harbor Pointe
Similar total assets
Using this data
- Harbor Pointe ranks #1,092 of 4,374 nationally on financial health and #28 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Minnesota Power Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Minnesota Power Employees
Frequently Asked Questions
Is Harbor Pointe financially healthy?
On its 2025Q4 NCUA 5300 filing, Harbor Pointe scores 90/100 (Excellent), with a 13.35% net worth ratio and 0.27% of loans delinquent. It ranks #1,092 of 4,374 nationally on health and #28 of 82 in Minnesota.
How does Harbor Pointe compare to other credit unions?
Harbor Pointe scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (96.26% vs 72.20%).
How can I join Harbor Pointe?
Membership eligibility for Harbor Pointe depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Harbor Pointe directly for current membership requirements and application steps.
Is my money safe at Harbor Pointe?
Harbor Pointe is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Harbor Pointe's net worth ratio of 13.35% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.