NORTH SHORE Credit Union Profile

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NORTH SHORE

Charter #18473 | NCUA Region 3 | FCU

Low-Income Designation: No

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (218) 226-4401

Fax: (218) 226-4553

Founding Date: N/A

Website: https://www.northshorefcu.org

Personnel & Operations

President: Motschenbacher, Judy

Manager: Ernest, Cassie

FT Employees: 65

PT Employees: 7

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 66

Branches: 8

Hours: 8:00 am - 5:00 pm drive up 8:30 am - 4:30 p

Credit Union Profile Summary

NORTH SHORE is a FCU Credit Union. With a total of 13,555 members ^[1], this institution manages approximately $280,361,799 in total assets ^[1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 12.21% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 9.74% ^[1].

Financial Snapshot

Total Assets ^[1]

$280,361,799

Total economic resources.

Total Loans ^[1]

$210,465,495

Total value of outstanding loans.

Total Deposits ^[1]

$244,654,542

Total funds deposited by members.

Members ^[1]

13,555

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

12.21%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

0.36%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

86.03%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 5.15%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↑ 9.74%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↑ 5.51%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

85 Outer Dr

Silver Bay, MN, 55614-1132

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 7 branches reported by NORTH SHORE (Charter #18473).

Main Office

Silver Bay Main Office

Type: Corporate Office

85 Outer Dr

Silver Bay, MN 55614-1132

Phone: (218) 226-4401

Services: Member Services, ATM, Drive-Thru

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Additional Branches

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