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
Call Report peers
Northridge Community in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Northridge Community sits in 70-74 with 317 others.
70 17th percentile higher than 17% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Minnesota, EXPEDITION (#77) scores 71/100, 1 point higher; one place down, MY (#79) scores 67/100, 3 points lower.
Northridge Community Call Report trajectory
Northridge Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -4.1% from $114.3M (2025Q4) to $109.6M (2026Q1).
- Net-worth ratio shifted +3.33 pp (12.33% → 15.66%).
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
Northridge Community gives up 30 points in total. Delinquency Rate costs the most, 24.1 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Northridge Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Northridge Community scores 70/100 (Very Good), with a 15.66% net worth ratio and 3.85% of loans delinquent. It ranks #3,585 of 4,374 nationally on health and #78 of 82 in Minnesota.
How does Northridge Community compare to other credit unions?
Northridge Community scores 70/100, higher than 17% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (89.59% vs 72.20%). Its widest shortfall is delinquency rate (3.85% vs 0.89%).
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?
Northridge Community 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. Northridge Community's net worth ratio of 15.66% 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.