Cloquet, MN · State Credit Union · Chartered in MN
Who can join
State government employees (special charter)
Members
11,728
Net Worth Ratio
9.35%
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
$178.0M
Total Shares
$159.1M
Total Loans
$131.6M
Net Income
$425K
Net Worth Ratio
9.35%
≥7% = Well Capitalized
Members
11,728
Return on Assets
0.24%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.19%
$247K
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 177 | 88 | 62 | 49.7% | 35.0% |
| 2022 | 227 | 139 | 61 | 61.2% | 26.9% |
| 2021 | 266 | 130 | 106 | 48.9% | 39.9% |
No CFPB complaint data available for this credit union.
1702 Avenue B
1702 Avenue B, Cloquet, MN, 55720
8:30 a.m. - 5:00 p.m. Monday, Tuesday, Thursday, and Friday 9:00 a.m. - 5:00 p.m. Wednesday
902 Stanley Avenue
902 Stanley Ave, Cloquet, MN, 55720
7:00 a.m. - 5:30 p.m. Monday, Tuesday, Thursday, Friday9:00 a.m. - 5:30 p.m. WednesdayDrive-up (Sat) 9:00 a.m. - 12:00 p.m.
Moose Lake Branch
90 Arrowhead Ln, Moose Lake, MN, 55767-9453
8:00 a.m. - 5:30 p.m. Monday, Tuesday, Thursday, Friday9:00 a.m. - 5:30 p.m. Wednesday9:00 a.m. - 12:00 p.m. Saturday (Drive-up Only)
Floodwood Branch
224 Highway 2 W, Floodwood, MN, 55736-4538
8:00 a.m. - 5:00 p.m. Monday, Tuesday, Thursday, Friday9:00 a.m. - 5:00 p.m. Wednesday9:00 a.m. - 12:00 p.m. Saturday (Drive-Thru only)
1201 Tall Pine Ln
1201 Tall Pine Ln, Cloquet, MN, 55720
M-F 8:30 am - 5:00 pm
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<a href="https://bankscorer.com/credit-union/northwoods" target="_blank" rel="noopener">View NORTHWOODS on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Loan-to-share ratio: 82.7%· healthy range 60–80%