NORTHERN COMMUNITIES
State-Chartered • DULUTH, Minnesota • Est. 1928
Quick Facts
- Charter Number
- #64655
- Type
- State-Chartered
- Established
- 1928
- Headquarters
- DULUTH, Minnesota 55811
- Address
- 3311 WEST ARROWHEAD ROAD
- Branches
- 2
- ATMs
- 2
- Members
- 6,879
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Above-average financial health. Net worth is strong and key ratios are within normal ranges, with minor areas to monitor.
Financial Overview
Total Assets
Members
6,879 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | NORTHERN COMMUNITIES |
|---|---|
| Total Assets | $119.9M |
| Members | 6,879 |
| Loans Outstanding | $98.1M |
| Shares & Deposits | $105.1M |
| Net Worth | $13.1M |
| Net Worth Ratio | 10.90% |
| Loan-to-Share Ratio | 93.3% |
| Delinquency Rate | 1.87% |
| Net Income | +$1,777,325 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations · 2 ATMs
Arrowhead
Main Office3311 W Arrowhead Rd
Duluth, MN 55811-4065
Virginia
800 S 16th Ave
Virginia, MN 55792-3300
Who Can Join NORTHERN COMMUNITIES?
Membership Type: Community
Membership eligibility for NORTHERN COMMUNITIES may vary. Contact the credit union directly to confirm qualification requirements.
Contact NORTHERN COMMUNITIES directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Minnesota RankingsFrequently Asked Questions
Yes. NORTHERN COMMUNITIES is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, NORTHERN COMMUNITIES has 6,879 members and a potential membership field of 200,231 people.
NORTHERN COMMUNITIES's net worth ratio is 10.90% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.9%, NORTHERN COMMUNITIES meets this threshold.
NORTHERN COMMUNITIES operates 2 branch locations and has access to 2 ATMs. The main office is located at 3311 W Arrowhead Rd, Duluth, MN 55811-4065.
NORTHERN COMMUNITIES was established in 1928. It is a state-chartered credit union chartered under charter number 64655. The institution has been serving members for 98 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or NORTHERN COMMUNITIES. All financial data is for informational purposes only.