Duluth, Minnesota · Peer group 5
Harbor Pointe Credit Union
Harbor Pointe Credit Union holds $157.5M in assets across 8,002 members as of Q1 2026 — about $20K of assets per member, on a charter dating to 1933. Charter number 60207, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $157.5M |
|---|---|
| Total loans | $127.7M |
| Total shares (deposits) | $136.1M |
| Net worth | $21.0M |
| Members | 8,002 |
| Assets per member | $20K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 5.9% | |
|---|---|---|
| Loans | 8.5% | around the 79th percentile of its peer group |
| Deposits | 5.1% | around the 66th percentile of its peer group |
| Members | -0.5% | around the 47th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 93.8% | higher than 95% of its peer group |
|---|---|---|
| Net worth ratio | 13.4% | around the 73rd percentile of its peer group |
| Return on assets | 1.42% | around the 87th percentile of its peer group |
| Delinquency ratio | 0.55% | around the 45th percentile of its peer group |
| Cash / assets | 8.5% | around the 36th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Harbor Pointe Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Minnesota — the comparison set a peer ratio is measured against.
- Leading Edge Credit Union
Worthington, MN
$146.0M · 12,087 members
- Minnesota Power Employees Credit Union
DULUTH, MN
$170.3M · 4,170 members
- Associated Healthcare Credit Union
Woodbury, MN
$175.3M · 12,306 members
- Heartland Credit Union
Inver Grove Hei, MN
$176.4M · 10,468 members
- Northwoods Credit Union
Cloquet, MN
$178.0M · 11,728 members
- South Metro Credit Union
PRIOR LAKE, MN
$183.4M · 6,068 members
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