Northern Communities Credit Union

Popular Accounts at this Credit Union

0.90%5-year CD60 Month CD
0.30%1-year CD12 Month CD
0.05%SavingsSecond Savings

Overview / Commentary
3311 West Arrowhead Road
Duluth, MN 55811

Northern Communities Credit Union is headquartered in Duluth and is the 49th largest credit union in the state of Minnesota. It is also the 1,920th largest credit union in the nation. It was established in 1928 and as of March of 2018, it had grown to 22 employees and 7,385 members at 2 locations. Northern Communities Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in St. Louis County.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Northern Communities Credit Union has a relatively low asset base.

Health Grade Components

NCUA #64655
Year Chartered1928
Primary Regulator
Profit Margin
Return on Assets - YTD0.87%
Return on Equity - YTD10.79%
Annual Interest Income$667.00K
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$74.3MM$73.6MM
LoansQ1 2018vs Q1 2017$48.3MM$44.9MM
DepositsQ1 2018vs Q1 2017$67.8MM$67.6MM
Equity CapitalQ1 2018vs Q1 2017$5.9MM$5.3MM
Loan Loss AllowanceQ1 2018vs Q1 2017$355.00K$390.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$153.00K$196.00K
Real Estate OwnedQ1 2018vs Q1 2017$45.00K$45.00K
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Northern Communities Credit Union Savings Account Rates

0.05%--Share Account
0.05%--Youth Shares
0.05%--Second Savings
0.05%--Christmas Club
0.05%--Vacation Club
0.05%--Escrow Club
0.05%--Escrow Mortgage

Northern Communities Credit Union Money Market Rates

0.15%--Gold Money Market
0.10%--Silver Money Market

Northern Communities Credit Union CD Rates

0.90%--60 Month CD
0.75%--48 Month CD
0.60%--36 Month CD
0.45%--24 Month CD
0.30%--12 Month CD
0.15%--6 Month CD

Northern Communities Credit Union IRA Rates

0.90%--60 Month IRA
0.75%--48 Month IRA
0.60%--36 Month IRA
0.45%--24 Month IRA
0.30%--12 Month IRA
0.15%--6 Month IRA

Northern Communities Credit Union Locations
Branch Office800 S 16th AveVirginia, MN 55792-3300
Branch Office3311 W Arrowhead RdDuluth, MN 55811-4065

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