Harbor Pointe
Duluth, MN · Charter 60207 · Peer group: credit unions under $1B in assets in the Duluth, MN-WI area (n=16)
NCUA · 3 branches
Q2 2026
$158.5MAssets
$131.0MLoans
$136.5MShares
$21.6MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 56% of credit unions under $1B in assets in the Duluth, MN-WI area (rank 8 of 16).
- Widest gap: equity / assets trails 69% of credit unions under $1B in assets in the Duluth, MN-WI area (rank 11 of 16).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
1.44%
Rank 8 of 16
Net Interest Margin
4.14%
Rank 10 of 16
Efficiency Ratio
69.45%
Rank 8 of 16
Equity / Assets
13.63%
Rank 11 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.44% | 0.85% | 1.44% | 2.05% | Beats 50% | 8 / 16 | |
| Return on Equity | 10.60% | 6.27% | 10.66% | 13.40% | Beats 44% | 9 / 16 | |
| Net Interest Margin | 4.14% | 4.07% | 4.17% | 4.88% | Beats 38% | 10 / 16 | |
| Efficiency Ratio | 69.45% | 63.01% | 70.37% | 80.78% | Beats 56% | 8 / 16 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.31% | 0.32% | 0.86% | 1.92% | Beats 31% | 12 / 16 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.63% | 13.43% | 14.66% | 16.97% | Beats 31% | 11 / 16 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.63% | 13.43% | 14.66% | 16.97% | Beats 31% | 11 / 16 | |
| Liquidity & Funding |
| Loans / Deposits | 96.01% | 67.52% | 85.26% | 93.00% | 88th pctl | 2 / 16 | |
| Loans / Assets | 82.67% | 52.10% | 73.80% | 79.04% | 94th pctl | 1 / 16 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |