NORTHERN COMMUNITIES
State-Chartered • Duluth, Minnesota • Est. 1928
Quick Facts
- Charter Number
- #64655
- Type
- State-Chartered
- Established
- 1928
- Headquarters
- Duluth, Minnesota 55811-4065
- Address
- 3311 W Arrowhead Rd
- Branches
- 2
- ATMs
- 2
- Members
- 6,869
- 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 7% and a delinquency rate below 2%. 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
6,869 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | NORTHERN COMMUNITIES |
|---|---|
| Total Assets | $126.8M |
| Members | 6,869 |
| Loans Outstanding | $98.8M |
| Shares & Deposits | $111.9M |
| Net Worth | $13.3M |
| Net Worth Ratio | 10.51% |
| Loan-to-Share Ratio | 88.3% |
| Delinquency Rate | 1.50% |
| Net Income | +$266,046 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
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
NORTHERN COMMUNITIES 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, NORTHERN COMMUNITIES has 6,869 members and a potential membership field of 200,518 people.
NORTHERN COMMUNITIES's reported net worth ratio is 10.51% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or NORTHERN COMMUNITIES. All financial data is for informational purposes only.