HARBOR POINTE Credit Union Profile

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HARBOR POINTE

Charter #60207 | NCUA Region 3 | FISCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (218) 722-9242

Fax: (218) 722-4516

Founding Date: N/A

Website: http://www.hpcu.us

Personnel & Operations

President: John, Pauline

Manager: Herstad, Lisa

FT Employees: 26

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 3

Hours: 9-5 M-THURS. 9-5:30 FRI.

Credit Union Profile Summary

HARBOR POINTE is a FISCU Credit Union. With a total of 8,037 members [1], this institution manages approximately $147,961,901 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 13.12% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 7.61% [1].

Financial Snapshot

Total Assets [1]
$147,961,901

Total economic resources.

Total Loans [1]
$122,995,608

Total value of outstanding loans.

Total Deposits [1]
$128,372,221

Total funds deposited by members.

Members [1]
8,037

Number of active members.

Performance Ratios

Net Worth Ratio [1]
13.12%

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]
1.12%

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

Loan-to-Share Ratio [1]
95.81%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 2.63%

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

Loan Growth (4Q) [1]
↑ 7.61%

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

Member Growth (4Q) [1]
↓ -0.79%

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

Headquarters Location & Map

Headquarters Address

11 W 2ND ST

DULUTH, MN, 55802-2014
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 3 branches reported by HARBOR POINTE (Charter #60207).

Main Office

Downtown Main Office Main Office

Type: Corporate Office

11 W 2nd St

Duluth, MN 55802-2014

Phone: (218) 722-9242

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Duluth

Kenwood Branch

Type: Branch Office

1515 Kenwood Ave Ste 200

Duluth, MN 55811-2655

Phone: (218) 724-8218

Services: Member Services, ATM

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Miller Hill Branch

Type: Branch Office

4433 Trinity Rd

Duluth, MN 55811

Phone: (218) 279-3828

Services: Member Services, ATM, Drive-Thru

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