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
Call Report peers
Northern Communities in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Northern Communities sits in 80-84 with 767 others.
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 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).
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.
- One place up in Minnesota, NOVATION (#54) ties at 83/100; one place down, Catholic United Financial (#56) ties at 83/100.
Northern Communities Call Report trajectory
Northern Communities: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.8% from $119.9M (2025Q4) to $126.8M (2026Q1).
- Net-worth ratio shifted -0.39 pp (10.90% → 10.51%).
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
Northern Communities gives up 17 points in total. Delinquency Rate costs the most, 11.6 of its 25; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Northern Communities financially healthy?
Northern Communities has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,307 of 4,374 nationally on health and #55 of 82 in Minnesota. Its net worth ratio is 10.51% and its delinquency rate 1.87%.
How does Northern Communities compare to other credit unions?
Northern Communities scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (93.30% vs 72.20%). Its widest shortfall is net worth ratio (10.51% vs 12.11%).
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?
Northern Communities 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. Northern Communities's net worth ratio of 10.51% 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.