The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score fell 7 points (80 → 73), mostly because the loan quality component weakened by 37 points.

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size credit unions in Minnesota

Yes. Harbor Pointe Credit Union is a federally insured credit union (NCUA charter #60207). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 2.6% of shares and deposits ($3.6M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 13.63%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Harbor Pointe Credit Union lists 4 offices in 2 cities across 2 states. Most locations:

• Duluth, MN (3)
• Brookfield, WI (1)

All branch addresses and map

In 2025, Harbor Pointe Credit Union reported 106 home-loan applications under HMDA (LEI 254900CCCPJ8S6GUIT87): 103 originated ($17,595,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Harbor Pointe Credit Union

Type

Federally insured state-chartered credit union

NCUA charter #

60207

RSSD ID

218092

Primary regulator

State + NCUA

Established

1933

Headquarters

11 W 2nd St, Po Box 161558, Duluth, MN 55816

Employees

30