Duluth, MN · State Credit Union · Chartered in MN
Who can join
State government employees (special charter)
Members
8,002
Net Worth Ratio
13.35%
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
$157.5M
Total Shares
$136.1M
Total Loans
$127.7M
Net Income
$559K
Net Worth Ratio
13.35%
≥7% = Well Capitalized
Members
8,002
Return on Assets
0.36%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.21%
$274K
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 89 | 75 | 8 | 84.3% | 9.0% |
| 2022 | 132 | 118 | 6 | 89.4% | 4.5% |
| 2021 | 159 | 152 | 3 | 95.6% | 1.9% |
No CFPB complaint data available for this credit union.
Downtown Main Office
11 W 2nd St, Duluth, MN, 55802-2014
9-5 M-Thurs. 9-5:30 Fri.
Kenwood Branch
1515 Kenwood Ave Ste 200, Duluth, MN, 55811-2655
9-5 M-Thurs. 9-5:30 Fri. 9-1 Sat.
Miller Hill Branch
4433 Trinity Rd, Duluth, MN, 55811
9-6 M-F 9-1 Sat.
Fiserv- Integrasys- Portico
255 Fiserv Dr, Brookfield, WI, 53045-5815
all
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<a href="https://bankscorer.com/credit-union/harbor-pointe" target="_blank" rel="noopener">View HARBOR POINTE on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Loan-to-share ratio: 93.8%· healthy range 60–80%