TellerScore

Northern Communities Credit Union is a federally insured state-chartered credit union headquartered in Duluth, Minnesota, in business for about 98 years. At the end of Q2 2026 it reported $124.3M in total assets and $108.9M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, Northern Communities Credit Union scores 52/100, which we describe as below average. That is higher than only 8% of 1,341 credit unions with $100 million – $1 billion. Among 80 credit unions headquartered in Minnesota, it ranks 77th. Its strongest component is problem-loan coverage (70/100; 15.0%), and its lowest is loan quality (36/100; 1.92%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Net worth ratio: 10.79%
Loan quality36/100
Loans 60+ days delinquent ÷ total loans: 1.92%
Earnings42/100
Return on assets (annualized): 0.56%
Funding & liquidity67/100
Loans ÷ shares: 93.0% · 3.4% uninsured
Problem-loan coverage70/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 14.97%

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.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 5 points (57 → 52), mostly because the loan quality component weakened by 11 points.

TellerScore
526067Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202465
Q4 202462
Q1 202556
Q2 202557
Q3 202557
Q4 202553
Q1 202658
Q2 202652
Net worth ratio
7.00%9.26%11.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.35%
Q3 202411.51%
Q4 202411.39%
Q1 202510.88%
Q2 202510.94%
Q3 202511.05%
Q4 202510.90%
Q1 202610.51%
Q2 202610.79%
Delinquent loans (60+ days)
0.92%1.42%1.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.92%
Q3 20241.24%
Q4 20241.50%
Q1 20251.33%
Q2 20251.60%
Q3 20251.62%
Q4 20251.87%
Q1 20261.50%
Q2 20261.92%
Return on assets
0.24%0.71%1.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.17%
Q3 20241.16%
Q4 20241.12%
Q1 20250.24%
Q2 20250.74%
Q3 20250.68%
Q4 20250.63%
Q1 20260.84%
Q2 20260.56%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202652$124.3M10.79%1.92%0.56%93.0%
Q1 202658$126.8M10.51%1.50%0.84%88.3%
Q4 202553$119.9M10.90%1.87%0.63%93.3%
Q3 202557$117.3M11.05%1.62%0.68%92.8%
Q2 202557$116.9M10.94%1.60%0.74%90.1%
Q1 202556$114.2M10.88%1.33%0.24%89.4%
Q4 202462$108.5M11.39%1.50%1.12%95.4%
Q3 202465$105.3M11.51%1.24%1.16%99.5%
Q2 202467$104.1M11.35%0.92%1.17%97.8%

1,341 peers · $100 million – $1 billion

How it compares with peers

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

Capital ratio10.79%
41st
Problem loans1.92%
7th
Net charge-offs0.55%
31st
Return on assets0.56%
35th
Loans to deposits93.0%
11th
Uninsured deposits3.4%
78th
Loan-loss reserves0.00%
50th
Texas ratio15.0%
5th

Similar-size credit unions in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Crow Wing Power Credit UnionCredit union Brainerd, MN71 out of 100, Strong$126.3M9.4%0.02%vs
Brainerd B. N. Credit UnionCredit union Brainerd, MN73 out of 100, Strong$127.8M10.8%0.17%vs
Two Harbors Federal Credit UnionCredit union Two Harbors, MN84 out of 100, Strong$118.4M14.3%0.07%vs
North Star Credit UnionCredit union Cook, MN72 out of 100, Strong$116.0M9.4%0.00%vs
Northridge Community Credit UnionCredit union Virginia, MN65 out of 100, Moderate$113.0M15.6%4.18%vs
Hibbing CooperativeCredit union Hibbing, MN92 out of 100, Very strong$108.9M19.1%0.90%vs

Deposit insurance

Is my money safe at Northern Communities Credit Union?

Yes. Northern Communities Credit Union is a federally insured credit union (NCUA charter #64655). 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 3.4% of shares and deposits ($3.7M) 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 10.79%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Northern Communities Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Northern Communities Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64655
RSSD ID
829993
Primary regulator
State + NCUA
Established
1928
Headquarters
3311 West Arrowhead Road, Duluth, MN 55811
Employees
33

Quick answers

Northern Communities Credit Union: common questions

Is Northern Communities Credit Union NCUA insured?

Yes. Northern Communities Credit Union is a federally insured credit union (NCUA charter #64655). 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.

What is Northern Communities Credit Union's TellerScore?

52 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Northern Communities Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Duluth

InstitutionScoreAssetsCapitalProblem loansCompare
Duluth Police Department Employees Credit UnionCredit union Duluth, MN91 out of 100, Very strong$7.8M22.8%0.41%vs
Indianhead Credit UnionCredit union Spooner, WI86 out of 100, Very strong$101.2M15.0%0.78%vs
Centricity Credit UnionCredit union Hermantown, MN85 out of 100, Very strong$340.5M14.0%0.79%vs
Superior Municipal Employees Credit UnionCredit union Superior, WI79 out of 100, Strong$3.0M16.5%0.00%vs
North Shore Federal Credit UnionCredit union Silver Bay, MN74 out of 100, Strong$284.8M12.8%0.33%vs
Superior Savings BankBank Superior, WI74 out of 100, Strong$98.8M16.3%1.15%vs