Charter 60207 · Duluth, MN
Harbor Pointe Credit Union
Harbor Pointe Credit Union is a state-chartered credit union in Duluth, Minnesota, with $158 million in assets and 7,971 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 13.63%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $158 million
- +7.1% in a year
- Members
- 7,971
- -0.8% in a year
- Net worth ratio
- 13.63%
- Peer median 11.65%
- Loans 60+ days late
- 1.31%
- Peer median 0.70%
- Loans outstanding
- $131 million
- +6.5% in a year
- Shares and deposits
- $136 million
- +6.3% in a year
- Branches
- 3
- 30 employees
- Opened
- 1933
- Minnesota charter
How Harbor Pointe Credit Union compares
NCUA groups credit unions by size; Harbor Pointe Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 13.63% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 1.31%, is higher than the group median of 0.70%. Loans grew 6.5% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 35 of 80 credit unions headquartered in Minnesota. See all Minnesota credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $158 million | 7,971 | $131 million | 13.63% | 1.31% |
| Q1 2026 | $158 million | 8,002 | $128 million | 13.35% | 0.55% |
| Q4 2025 | $152 million | 8,014 | $127 million | 13.43% | 0.27% |
| Q3 2025 | $151 million | 8,036 | $122 million | 13.23% | 0.27% |
| Q2 2025 | $148 million | 8,037 | $123 million | 13.12% | 0.21% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 110,000 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 4 sites for Harbor Pointe Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Downtown Main Office (main office)
11 W 2Nd St, Duluth, MN 55802 - Kenwood Branch
1515 Kenwood Ave Ste 200, Duluth, MN 55811 - Miller Hill Branch
4433 Trinity Rd, Duluth, MN 55811 - Fiserv- Integrasys- Portico
255 Fiserv Dr, Brookfield, WI 53045
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology