NORTHERN COMMUNITIES Credit Union Profile

Showing details for NORTHERN COMMUNITIES Credit Union.

Home > MN > NORTHERN COMMUNITIES

NORTHERN COMMUNITIES

Charter #64655 | NCUA Region 3 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (218) 279-3200

Fax: (218) 279-3222

Founding Date: N/A

Website: https://www.nccyou.com

Personnel & Operations

President: Herhusky, Shawn

Manager: Hoff, Trina

FT Employees: 31

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 2

Hours: MONDAY - FRIDAY 8:30AM TO 5:00PM DRIVE

Credit Union Profile Summary

NORTHERN COMMUNITIES is a FISCU Credit Union. With a total of 6,825 members [1], this institution manages approximately $116,922,328 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 10.94% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 3.67% [1].

Financial Snapshot

Total Assets [1]
$116,922,328

Total economic resources.

Total Loans [1]
$92,098,001

Total value of outstanding loans.

Total Deposits [1]
$102,195,972

Total funds deposited by members.

Members [1]
6,825

Number of active members.

Performance Ratios

Net Worth Ratio [1]
10.94%

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]
0.76%

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

Loan-to-Share Ratio [1]
90.12%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 12.31%

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

Loan Growth (4Q) [1]
↑ 3.67%

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

Member Growth (4Q) [1]
↑ 3.08%

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

Headquarters Location & Map

Headquarters Address

3311 W ARROWHEAD RD

DULUTH, MN, 55811-4065
Open in Google Maps

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

No approved reviews yet. Be the first to rate this Credit Union!

Branch Locations

Found 2 branches reported by NORTHERN COMMUNITIES (Charter #64655).

Main Office

Arrowhead Main Office

Type: Corporate Office

3311 W Arrowhead Rd

Duluth, MN 55811-4065

Phone: (218) 279-3200

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Virginia

Virginia

Type: Branch Office

800 S 16th Ave

Virginia, MN 55792-3300

Phone: (218) 741-8155

Services: Member Services, ATM, Drive-Thru

Open in Directions