Northridge Community Credit Union Hoyt Lakes, Minnesota
Northridge Community Credit Union is a state-chartered credit union headquartered in Hoyt Lakes, MN, established in 1957 (NCUA charter 61257), and it is regulated and insured by the NCUA. At Q2 2026 it reported 8,014 members and total assets of $113.0M (up 2.1% from Q2 2025), the 41st largest of 79 credit unions headquartered in Minnesota. Its net worth ratio was 15.60% at Q2 2026, in the well capitalized band.
Also written as Northridge Community CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 61257
- Headquarters
- Hoyt Lakes, MN
- Established
- 1957
- Total assets, Q2 2026
- $113.0M
- Assets vs Q2 2025
- +2.1%
- Members, Q2 2026
- 8,014
- Net worth ratio, Q2 2026
- 15.60%
- Latest call report
- Q2 2026, NCUA 5300 · Northridge Community Credit Union call report
- Asset rank in state
- 41st of 79 in Minnesota
- Routing number
- 291274085
- Branches
- 5
It has 295 more members than on June 30, 2025 (+3.8%). Its net worth ratio was up 1.11 percentage points from 14.49% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $56.0M of $89.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 4.18% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 15.60% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Minnesota
Credit unions merged into Northridge Community Credit Union
Frequently asked about Northridge Community Credit Union
How big is Northridge Community Credit Union?
At Q2 2026 it reported total assets of $113.0M and 8,014 members.
Where is Northridge Community Credit Union headquartered?
It is headquartered in Hoyt Lakes, MN, United States.
When was Northridge Community Credit Union founded?
It was established in 1957, per NCUA records.
Is Northridge Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 61257): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Northridge Community Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Northridge Community Credit Union well capitalized?
Its net worth ratio was 15.60% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Northridge Community Credit Union's delinquency ratio?
Its delinquency ratio was 4.18% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Northridge Community Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 94.64% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Hoyt Lakes, MN 55750
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1957
- NCUA Charter #
- 61257
- RSSD ID
- 159896
- Members
- 8,014
- Potential members
- 255,664
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 15.60% | 11.43% | 87th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.64% | 0.81% | 89th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 10.52% | 7.02% | 79th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 5.70% | 3.70% | over 90th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 72.96% | 76.55% | 62nd above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.31% | 1.24% | 44th below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 4.18% | 0.68% | under 10th bottom |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 7.01% | 4.92% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 94.64% | 75.66% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$113.0M total assets against $110.6M; $94.3M total shares and deposits against $94.8M; $89.3M total loans against $86.7M.
$17.6M net worth against $16.0M.
15.60% net worth ratio against 14.49%.
94.64% loan-to-share ratio against 91.37%.
4.18% delinquency ratio against 3.89%.
1.64% return on assets against 1.65%; 10.52% return on equity against 11.42%.
5.70% net interest margin against 5.54%.
8,014 members against 7,719.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.60% | 1.64% | 4.18% | 94.64% |
| March 31, 2026 | 15.66% | 2.54% | 3.06% | 96.93% |
| December 31, 2025 | 12.33% | 1.46% | 3.85% | 89.59% |
| September 30, 2025 | 14.92% | 1.36% | 3.35% | 94.26% |
| June 30, 2025 | 14.49% | 1.65% | 3.89% | 91.37% |
| March 31, 2025 | 13.98% | 1.83% | 2.43% | 89.56% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.