NORTH SHORE
Federal • Silver Bay, Minnesota • Est. 1967
Quick Facts
- Charter Number
- #18473
- Type
- Federal
- Established
- 1967
- Headquarters
- Silver Bay, Minnesota 55614-1132
- Address
- 85 Outer Dr
- Branches
- 8
- ATMs
- 5
- Members
- 13,976
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
13,976 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | NORTH SHORE |
|---|---|
| Total Assets | $281.6M |
| Members | 13,976 |
| Loans Outstanding | $217.2M |
| Shares & Deposits | $244.3M |
| Net Worth | $35.9M |
| Net Worth Ratio | 12.77% |
| Loan-to-Share Ratio | 88.9% |
| Delinquency Rate | 0.63% |
| Net Income | +$412,417 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
8 locations · 5 ATMs
Silver Bay
Main Office85 Outer Dr
Silver Bay, MN 55614-1132
Grand Marais
122 E Highway 61
Grand Marais, MN 55604
Lutsen
5335 W Highway 61
Lutsen, MN 55612-9542
Grand Portage
77 Mile Creek Rd
Grand Portage, MN 55605-3028
Two Harbors
404 7th Ave
Two Harbors, MN 55616-1450
Who Can Join NORTH SHORE?
Membership Type: Community
Membership eligibility for NORTH SHORE may vary. Contact the credit union directly to confirm qualification requirements.
Contact NORTH SHORE directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Minnesota
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Minnesota RankingsFrequently Asked Questions
NORTH SHORE is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, NORTH SHORE has 13,976 members and a potential membership field of 123,544 people.
NORTH SHORE's reported net worth ratio is 12.77% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
NORTH SHORE operates 8 branch locations and has access to 5 ATMs. The main office is located at 85 Outer Dr, Silver Bay, MN 55614-1132.
NORTH SHORE was established in 1967. It is a federal credit union chartered under charter number 18473. The institution has been serving members for 59 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or NORTH SHORE. All financial data is for informational purposes only.