Hermantown, MN · State Credit Union · Chartered in MN
Who can join
State government employees (special charter)
Members
21,757
Net Worth Ratio
13.42%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$337.9M
Total Shares
$276.9M
Total Loans
$253.5M
Net Income
$1.4M
Net Worth Ratio
13.42%
≥7% = Well Capitalized
Members
21,757
Return on Assets
0.42%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.38%
$959K
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 336 | 223 | 64 | 66.4% | 19.1% |
| 2022 | 337 | 208 | 65 | 61.7% | 19.3% |
| 2021 | 339 | 175 | 67 | 51.6% | 19.8% |
No CFPB complaint data available for this credit union.
Hermantown Office
4477 Lavaque Rd, Hermantown, MN, 55811
Lobby Hours Mon - Fri: 8:30 a.m. - 5:00 pm Drive-Up Hours Mon & Fri: 7:00 a.m. - 6:00 pm Tues, Wed & Thurs: 7:00 a.m. - 5:00 pm Sat: 8:00 a.m. - Noon
Duluth Office
2501 London Rd, Duluth, MN, 55812
Lobby Hours Mon - Fri: 8:30 a.m. - 5:00 pmSat: 9:00 a.m. - Noon Drive-Up Hours Mon & Fri: 8:00 a.m. - 5:30 pm Tues, Wed & Thurs: 8:30 a.m. - 5:00 pm Sat: 9:00 a.m. - Noon
Superior Office
25 Belknap St, Superior, WI, 54880
Lobby Hours Mon - Fri: 8:30 a.m. - 5:00 pmDrive-Up HoursMon - Fri: 8:00 a.m. - 5:30 pmSat: 8:00 a.m. - Noon
Denfeld Office
3924 Grand Ave, Duluth, MN, 55807
8:30 - 5:00
Proctor Office
410 N 2nd Ave, Proctor, MN, 55810-2206
8:30 - 5:30
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<a href="https://bankscorer.com/credit-union/centricity" target="_blank" rel="noopener">View CENTRICITY on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Loan-to-share ratio: 91.6%· healthy range 60–80%