Northern Communities
Northern Communities is a credit union based in Duluth, Minnesota, established in 1928, with $127 million in total assets serving 6,869 members. By Trust Grade it ranks 48th of 81 credit unions we track in Minnesota. Its net worth ratio of 10.5% trails most similarly sized credit unions (38th percentile), versus a Minnesota median of 12.2%. It was profitable over the most recent period, with a 0.84% return on assets. No consumer complaints against Northern Communities appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Northern Communities compares to Minnesota peers
How we graded Northern Communities
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (10.5% capital ratio)
- Profitable (ROA 0.84%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Northern Communities over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Northern Communities insured?
Yes. Northern Communities is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Northern Communities: frequently asked questions
Is Northern Communities a good credit union?
Northern Communities earns a Bankzia Trust Grade of A (91/100, "Excellent"), based on a financial-strength score of 91/100 (it has no CFPB complaints on record). Well-capitalized (10.5% capital ratio); Profitable (ROA 0.84%).
Is Northern Communities NCUA-insured?
Yes. Northern Communities is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Northern Communities?
Northern Communities holds $127 million in total assets, ranking 48th of 81 credit unions we track in Minnesota. It serves 6,869 members.
Does Northern Communities have CFPB complaints?
No CFPB complaints against Northern Communities appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
