CU Explorer
Credit unions · Minnesota · Q2 2026

Northern Communities CU

Credit union in Duluth, MN · NCUA charter #64655 · State charter (federally insured)

Legal name: Northern Communities

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$124M
Total loans & leases$101M
Total shares & deposits$109M
Members6,897
Net worth$13.4M
Net worth / assets10.79%
Loans / assets81.48%
Return on assets (annualized)0.56%
Loan growth (YoY)10.00%
Member growth (YoY)1.05%
Delinquency, all loans (60+ days)1.92%
CharterState charter (federally insured)
Asset band$50M–$250M
NCUA peer group$100M–$500M
Sponsor typeCommunity (inferred from the name)

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech auto lending, fintech for communication / chat, online membership application, online loan application, online account opening, online loan payments, bill payment, account aggregation, e-signature, e-Statements, external transfers / ACH, remote deposit capture, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

In the explorer: ten-year history for every metric, balance sheet and income statement drill-downs, percentile rankings against asset-size peers, leaders and board, branches, and growth opportunities.

Other credit unions in Minnesota

All credit unions in Minnesota →