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Overview / Commentary
218-279-3200
3311 West Arrowhead Road
Duluth, MN 55811

Northern Communities Credit Union is headquartered in Duluth and is the 47th largest credit union in the state of Minnesota. It is also the 1,912th largest credit union in the nation. It was established in 1928 and as of September of 2017, it had grown to 23 employees and 7,723 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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Health
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

Overall
NCUA #64655
Year Chartered1928
Employees23
Primary Regulator
Profit Margin
Return on Assets - YTD0.51%
Return on Equity - YTD6.83%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$73.7MM$72.0MM
LoansQ3 2017vs Q3 2016$49.4MM$45.8MM
DepositsQ3 2017vs Q3 2016$67.5MM$66.3MM
Equity CapitalQ3 2017vs Q3 2016$5.6MM$5.2MM
Loan Loss AllowanceQ3 2017vs Q3 2016$383.00K$384.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$164.00K$203.00K
Real Estate OwnedQ3 2017vs Q3 2016$45.00K$0
Rates
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Northern Communities Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.03%--Share Account
0.03%--Youth Shares
0.03%--Second Savings
0.03%--Christmas Club
0.03%--Vacation Club
0.03%--Escrow Club
0.03%--Escrow Mortgage

Northern Communities Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Gold Money Market
0.05%--Silver Money Market

Northern Communities Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%--60 Month CD
0.40%--48 Month CD
0.35%--36 Month CD
0.30%--24 Month CD
0.25%--12 Month CD
0.10%--6 Month CD

Northern Communities Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%--60 Month IRA
0.40%--48 Month IRA
0.35%--36 Month IRA
0.30%--24 Month IRA
0.25%--12 Month IRA
0.10%--6 Month IRA
Locations


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