State credit union · Virginia, Minnesota · NCUA charter #61257
Northridge Community
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $114.3M
- Total assets
- 7,608
- Members
- 15.7%
- Net-worth ratio
Northridge Community scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $114.3M; members 7,608; net-worth ratio 15.66%; health rank #3,585 of 4,374; healthier than 17th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,585 of 4,374 health · 2025Q4Northridge Community · health 70/100 · $114.3M · 2025Q4
- CHARTER 70/100
- NCUSIF 15.7%
- CAMELS 3.85%
- HEALTH 1.54%
- NW $114.3M
- DELQ 7,608
- ROA #3,585/4,374
- ASSETS La Loma
- MEM 61257
Call Report peers
Northridge Community in the assets neighbourhood
Northridge Community's $114.3M assets sit next to La Loma ($114.3M) 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.
Northridge Community 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
70 17th percentile higher than 17% 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
Northridge Community - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #61257 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Northridge Community vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +17.39 pp (89.59% vs 72.20%).
- Widest shortfall vs peers is Delinquency Rate: +2.96 pp (3.85% vs 0.89%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Northridge Community: in-state Call Report ranks
- In Minnesota, health place is #78 of 82 on the same NCUA-ratio sort used nationally.
- By total assets, Northridge Community is #42 of 82 in Minnesota.
- Member book place in Minnesota: #38 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.
Northridge Community Call Report trajectory
Northridge Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -4.1% from $114.3M (2025Q4) to $109.6M (2026Q1).
- Net-worth ratio shifted +3.33 pp (12.33% → 15.66%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 15.66% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 70/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 70.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.9 pts
- Return on Assets 15.0 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 15.1 pts
Call Report ratios for Northridge Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.66% | +3.55 pp |
| Delinquency Rate | 3.85% | +2.96 pp |
| Return on Assets | 1.54% | +0.92 pp |
| Member Growth | 0.00% | - |
| Loan-to-Share Ratio | 89.59% | +17.39 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).
Call Report history - Northridge Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $109.6M | - |
| 2025Q4 | $114.3M | 7,608 |
| 2024Q4 | $114.3M | 7,608 |
| 2023Q4 | $104.8M | 7,222 |
Credit Union Details
- Charter Number
- 61257
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Minnesota
- City
- Virginia
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, Northridge Community runs 5 offices in 5 different cities.
| Office | City |
|---|---|
| Virginia Office (Main Office) | Virginia, MN |
| Biwabik Office | Biwabik, MN |
| Ely Office | Ely, MN |
| Hibbing Office | Hibbing, MN |
| Hoyt Lakes Office | Hoyt Lakes, 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.
Cross-state Call Report peers for Northridge Community
Two NCUA Call Report peer sets for Northridge Community, 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 ($114.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (70/100 here).
Using this data
- Northridge Community ranks #3,585 of 4,374 nationally on financial health and #78 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- North Star is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with North Star
- 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 Northridge Community financially healthy?
Yes/no aside, the number is 70/100 (Very Good) - Northridge Community'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 #3,585 of 4,374; by total assets it ranks #1,716 of 4,374 nationally (same basis as /rankings/largest); and #42 of 82 within Minnesota. Above 80 reads excellent, below 50 warrants closer monitoring; a 15.66% net worth ratio and 3.85% delinquency rate are the key drivers.
How does Northridge Community compare to other credit unions?
Northridge Community scores 70/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Northridge Community?
Membership eligibility for Northridge Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Northridge Community directly for current membership requirements and application steps.
Is my money safe at Northridge Community?
Federal credit unions like Northridge Community 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. Northridge Community's net worth ratio of 15.66% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Northridge Community offer compared to banks?
Credit unions like Northridge Community 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 Northridge Community 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.