Harbor Pointe

DULUTH, MN · 2 · Charter #60207 · www.hpcu.us
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$152.4M
73th percentile
Members
8,014
54th percentile
Total loans
$126.6M
89th percentile
Total shares
$131.5M
74th percentile

Profitability

Return on assets
1.36%
70th percentile
Net interest margin
4.07%
73th percentile
Efficiency ratio
60.41%
57th percentile
Non-interest income ratio
10.64%
18th percentile

Capital & Risk

Net worth ratio
13.43%
64th percentile
Delinquency rate
0.27%
82th percentile
Net charge-off rate
0.03%
93th percentile
Loan-to-share
96.26%
93th percentile

Growth

Member growth YoY
-0.68%
49th percentile
Asset growth YoY
5.81%
66th percentile
Loan growth YoY
7.46%
79th percentile
Share growth YoY
4.85%
63th percentile

Operations

Members / branch
2,671
39th percentile
Assets / member
$19,014
80th percentile
Field of membership penetration
7.29%
53th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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