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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,092 of 4,374 health · 2025Q4Harbor Pointe · health 90/100 · $152.4M · 2025Q4
- CHARTER 90/100
- NCUSIF 13.4%
- CAMELS 0.27%
- HEALTH 1.16%
- NW $152.4M
- DELQ 8,014
- ROA #1,092/4,374
- ASSETS California Lithuanian
- MEM 60207
Call Report peers
Harbor Pointe in the assets neighbourhood
Harbor Pointe's $152.4M assets sit next to California Lithuanian ($152.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Harbor Pointe - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #60207, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for MN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Harbor Pointe's 5300 filing moved
Harbor Pointe: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.4% from $152.4M (2025Q4) to $157.5M (2026Q1).
- Net-worth ratio shifted -0.08 pp (13.43% → 13.35%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Two NCUA Call Report peer sets for Harbor Pointe, both outside Minnesota so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($152.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Minnesota credit unions compare overall before assuming this one is typical. Minnesota state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Harbor Pointe financially healthy?
Harbor Pointe scores 90/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,092 of 4,374; by total assets it ranks #1,482 of 4,374 nationally (same basis as /rankings/largest); and #36 of 82 within Minnesota. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.35% net worth ratio and a 0.27% delinquency rate.
How does Harbor Pointe compare to other credit unions?
Five weighted metrics from NCUA filings produce Harbor Pointe's 90/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Harbor Pointe are 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."
What rates does Harbor Pointe offer compared to banks?
Credit unions like Harbor Pointe are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Harbor Pointe directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.