Credit Union Safety Analysis
Is Northridge Community Credit Union Safe? Hoyt Lakes, Minnesota
Based on its Q2 2026 NCUA 5300 call report, Northridge Community Credit Union has a net worth ratio of 15.60%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 4.18%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Northridge Community Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Northridge Community Credit Union's net worth ratio is 15.60%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.60%
- Delinquency ratio (60+ days) (Q2 2026): 4.18%
- Return on assets (Q2 2026): 1.64%
- Loan-to-share ratio (Q2 2026): 94.64%
Northridge Community Credit Union (NCUA charter 61257, established 1957) reported $113.0M in assets and 8,014 members for Q2 2026 from Hoyt Lakes, Minnesota. It ranks 41 of 79 credit unions in Minnesota by total assets. Total assets grew 2.1% from $110.6M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 15.66% for Q1 2026; 14.49% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 3.06% for Q1 2026; 3.89% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 2.54% for Q1 2026; 1.65% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 96.93% for Q1 2026; 91.37% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $56.0M
- Other unsecured loans and lines of credit: $12.5M
- Used vehicle loans: $10.1M
- Other secured non-real estate loans and lines of credit: $5.1M
- Commercial loans: $2.7M
- New vehicle loans: $2.2M
- Unsecured credit card loans: $635K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $113.0M | 15.60% | 4.18% | 1.64% | 94.64% |
| March 31, 2026 | $109.6M | 15.66% | 3.06% | 2.54% | 96.93% |
| December 31, 2025 | $114.3M | 12.33% | 3.85% | 1.46% | 89.59% |
| September 30, 2025 | $110.0M | 14.92% | 3.35% | 1.36% | 94.26% |
| June 30, 2025 | $110.6M | 14.49% | 3.89% | 1.65% | 91.37% |
| March 31, 2025 | $111.4M | 13.98% | 2.43% | 1.83% | 89.56% |
Add this badge to your website
Free to use. It shows Northridge Community Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Northridge Community Credit Union profile
Regulator records: NCUA credit union profile (charter 61257) · FFIEC NIC profile (RSSD 159896)
Frequently asked questions
Is Northridge Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Northridge Community Credit Union's net worth ratio is 15.60%, above the 7% NCUA threshold for well capitalized.
Is Northridge Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Northridge Community Credit Union is a federally insured credit union (NCUA charter 61257): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Northridge Community Credit Union's key safety ratios?
For Q2 2026, Northridge Community Credit Union reports net worth 15.60%, delinquency 4.18%, ROA 1.64%, loan-to-share 94.64%.
What happens to my money if Northridge Community Credit Union fails?
For Q2 2026, Northridge Community Credit Union held $94.3M in shares and deposits for 8,014 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.