State credit union · DULUTH, Minnesota · NCUA charter #64655
Northern Communities
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $119.9M
- Total assets
- 6,879
- Members
- 10.5%
- Net-worth ratio
Northern Communities scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $119.9M; members 6,879; net-worth ratio 10.51%; health rank #2,307 of 4,374; healthier than 46th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,307 of 4,374 health · 2025Q4Northern Communities · health 83/100 · $119.9M · 2025Q4
- ROA 83/100
- ASSETS 10.5%
- MEM 1.87%
- RANK 1.01%
- PHOTO $119.9M
- BOOK 6,879
- CHARTER #2,307/4,374
- NCUSIF THINKWISE
- CAMELS 64655
Call Report peers
Northern Communities in the assets neighbourhood
Northern Communities's $119.9M assets sit next to THINKWISE ($119.8M) 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.
Northern Communities 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
83 46th percentile higher than 46% 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
Northern Communities - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #64655 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Northern Communities vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 93.30% here, 72.20% peer average (+21.10 pp).
- Net Worth Ratio trails the peer set - 10.51% here, 12.11% peer average (-1.60 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Northern Communities in Minnesota
- Health composite ranks #55 of 82 among scored Minnesota credit unions.
- Assets rank #39 of 82 inside Minnesota ($119.9M reported).
- Minnesota membership ordinal: #39 of 82.
In-state ordinals use the live credit_unions table for MN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Northern Communities Call Report trajectory
Northern Communities: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.8% from $119.9M (2025Q4) to $126.8M (2026Q1).
- Net-worth ratio shifted -0.39 pp (10.90% → 10.51%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.51% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 13.4 pts
- Return on Assets 15.0 pts
- Member Growth 10.9 pts
- Loan-to-Share Ratio 13.7 pts
Call Report ratios for Northern Communities
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.51% | -1.60 pp |
| Delinquency Rate | 1.87% | +0.98 pp |
| Return on Assets | 1.01% | +0.39 pp |
| Member Growth | 1.58% | - |
| Loan-to-Share Ratio | 93.30% | +21.10 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).
Northern Communities filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $126.8M | - |
| 2025Q4 | $119.9M | 6,879 |
| 2024Q4 | $108.5M | 6,772 |
| 2023Q4 | $101.6M | 6,453 |
Credit Union Details
- Charter Number
- 64655
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Minnesota
- City
- DULUTH
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Northern Communities runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Arrowhead (Main Office) | Duluth, MN |
| Virginia | Virginia, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
More federally-insured credit unions based in Minnesota, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Northern Communities, 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 ($119.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- Northern Communities ranks #2,307 of 4,374 nationally on financial health and #55 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Two Harbors is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Two Harbors
- 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 Northern Communities financially healthy?
Yes/no aside, the number is 83/100 (Excellent) - Northern Communities's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,307 of 4,374; by total assets it ranks #1,676 of 4,374 nationally (same basis as /rankings/largest); and #39 of 82 within Minnesota. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.51% net worth ratio and 1.87% delinquency rate are the key drivers.
How does Northern Communities compare to other credit unions?
83/100 is Northern Communities's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Northern Communities?
Membership eligibility for Northern Communities depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Northern Communities directly for current membership requirements and application steps.
Is my money safe at Northern Communities?
Federal credit unions like Northern Communities 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. Northern Communities's net worth ratio of 10.51% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Northern Communities offer compared to banks?
Credit unions like Northern Communities 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 Northern Communities 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.