Federal credit union · Silver Bay, Minnesota · NCUA charter #18473
North Shore
Health score 100/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 100
- Health / 100
- $282.4M
- Total assets
- 13,848
- Members
- 12.8%
- Net-worth ratio
North Shore scores 100/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $282.4M; members 13,848; net-worth ratio 12.77%; health rank #16 of 4,374; healthier than 99th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#16 of 4,374 health · 2025Q4North Shore · health 100/100 · $282.4M · 2025Q4
Call Report peers
North Shore in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
North Shore vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); North Shore sits in 100 with 34 others.
100 Top 1% higher than 99% 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
Peer-gap read for North Shore
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +17.47 pp (89.67% vs 72.20%).
- Return on Assets trails the peer set - 0.60% here, 0.62% peer average (-0.03 pp).
North Shore: in-state Call Report ranks
- Minnesota health ordinal: #1 of 82.
- Assets rank #24 of 82 inside Minnesota ($282.4M reported).
- Minnesota membership ordinal: #29 of 82.
- No Minnesota credit union scores higher; the runner-up, TRUSTAR (#2) scores 97/100, 3 points lower.
North Shore Call Report trajectory
North Shore: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.3% from $282.4M (2025Q4) to $281.6M (2026Q1).
- Net-worth ratio shifted +0.19 pp (12.58% → 12.77%).
12.77% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 100/100 score is built
Every pillar scores full marks, so all five contribute their maximum.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.0 pts
North Shore vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.77% | +0.66 pp |
| Delinquency Rate | 0.33% | -0.57 pp |
| Return on Assets | 0.60% | -0.03 pp |
| Member Growth | 6.29% | - |
| Loan-to-Share Ratio | 89.67% | +17.47 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
North Shore filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $281.6M | - |
| 2025Q4 | $282.4M | 13,848 |
| 2024Q4 | $276.8M | 13,028 |
| 2023Q4 | $266.4M | 12,972 |
Credit Union Details
- Charter Number
- 18473
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Minnesota
- City
- Silver Bay
- Data Quarter
- 2025Q4
Branch Locations (8)
Per its most recent NCUA branch filing, North Shore runs 8 offices in 6 different cities.
| Office | City |
|---|---|
| Silver Bay (Main Office) | Silver Bay, MN |
| Duluth - Endi | Duluth, MN |
| Duluth - Lincoln Park | Duluth, MN |
| Duluth - Pike Lake | Duluth, MN |
| Grand Marais | Grand Marais, MN |
| Grand Portage | Grand Portage, MN |
| Lutsen | Lutsen, MN |
| Two Harbors | Two Harbors, 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.
North Shore nationwide neighbourhoods
Similar total assets
Using this data
- North Shore ranks #16 of 4,374 nationally on financial health and #1 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Greater Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Greater Community
Frequently Asked Questions
Is North Shore financially healthy?
North Shore has a financial health score of 100/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #16 of 4,374 nationally on health and #1 of 82 in Minnesota. Its net worth ratio is 12.77% and its delinquency rate 0.33%.
How does North Shore compare to other credit unions?
North Shore scores 100/100, higher than 99% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (89.67% vs 72.20%). Its widest shortfall is return on assets (0.60% vs 0.62%).
How can I join North Shore?
North Shore operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact North Shore directly for the exact boundaries and application steps.
Is my money safe at North Shore?
North Shore is a federal 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. North Shore's net worth ratio of 12.77% 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.