# HARBOR POINTE
DULUTH, MN · NCUA charter 60207 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/harbor-pointe-60207

Who the members are: state charter, organized 1933. 8,002 members of 110,000 potential (7.3% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 80.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $157.5M |
| Members | 8,002 (-0.5% YoY) |
| Full-time staff | 26 |
| Net worth | $21.0M |
| Net worth ratio | 13.3% (p70 of band) |
| ROA (annualized) | 1.42% (p85 of band) |
| Total delinquency | 0.55% (p45 of band) |
| Net charge-offs (annualized) | 0.03% (p13 of band) |
| Loans / shares | 94% (p96 of band) |
| Cash / assets | 11.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.08% (p75 of band) |
| Operating expense / assets | 3.27% (p35 of band) |
| Vehicles % of loans | 13% (p12 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 23% (p47 of band) |
| Vehicle delinquency | 0.32% (p31 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 59% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 79% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 20% |
| Average share balance | $8,596 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 80% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $19,888 |
| Loans granted, annualized | $33.6M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | thin capital |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | delinquency rising |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | net worth falling |  |
| 2020-12 | 0 |  | net worth falling |
| 2021-03 | 1 | margin squeeze |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | margin squeeze |
| 2021-12 | 1 | delinquency rising |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | delinquency rising |
| 2022-12 | 1 | delinquency rising |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 | assets shrinking | delinquency rising |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 | delinquency rising | assets shrinking |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 | loans>95% of shares | delinquency rising |
| 2025-09 | 0 |  | loans>95% of shares |
| 2025-12 | 1 | loans>95% of shares |  |
| 2026-03 | 1 | delinquency rising | loans>95% of shares |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-11-17 [Harbor Pointe Credit Union proud to be hosting Giving Trees this season - WDIO.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNa0dTUUZmdkMzZm1UT1VIbHgtdUE0R2tBa1ZhQmpFbXhFbU5qUVJzOV91VkV4UWE3YmFJa1lSenBiYWhLOXpIUzVnamhIOEJRYmxBNFNCSkkzYzlJTjhhMGV3UDhHZWtMVnpNNGZYNWZGZTFxSmhreVludlpuMUc1TDNuRS1DSXNBekhJbG5fMzlqdTNfZC1acTA3UHNnX2s4UmE3Y2tfR04?oc=5) · WDIO.com
- 2023-09-11 [Harbor Pointe announces new CEO, operations vp - BusinessNorth](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNSnNlSXNDWUM3cFhjdTJnenlhRzZzM1B4TVJGb1lIYkVMa3M1YUNMZnlJRTJkZzZNNGJSX25Hd0VtN0x3U2lpQnVRSG1fWVBCV0xnV3pYWEF1ZHJjdno4Q0pmS3lUWXBSYzlQNk1feXhrS3MwcS1tUTAzb050X0Zzc3JjOVp4N1JkQno4TjlOQUgzZVJYU3F4SFhDbERCVFdUbHBFQWNNNm9zMm1uQkVreW92U2EzN0RtdnNCQ09Pc296RElkc0Job0Q5Q0VGMUg2NFE?oc=5) · BusinessNorth
- 2024-12-20 [So many gifts from the Giving Tree project at Harbor Pointe Credit Union - WDIO.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNT09pTnk5a0tqN2c0cjlEZmI5NHIyRFFUckpoZVhvWnFpN0pEUUtEZXoxaW1rUU51cGNzbDBGeGRhUzk2UGRwU3F4UGx4NDVCTmtOWXY5VkVzRnlHRFhmRnlqbVZMelk0b1NDemRzb25oN2dkQ1hFbENlWW51RHprekItSHV5RzB4d29aeVk5QVNpWEVTZUs5UlRQRlhKNW1BVE5ESDRNcWVmUQ?oc=5) · WDIO.com
- 2019-10-20 [St. Paul's Episcopal, first to build a church in Duluth, marks 150 years - Duluth News Tribune](https://news.google.com/rss/articles/CBMisgFBVV95cUxPVU1xd0Zyb3RCSm12RkRvUkx6d3ZqQzhRWTZ0NVVFX055V0ZtWmZmR2tONnphVHd3Zk13WElBWnhnT09rUzVVa0pIdFMwY2hCMWdjaGxPd2hXUU41MXQ1NUIxQXo4T0xnU29nQWpicHJfRVlGZEpUN1ZvcFhXTDNlRG9DTm8wR0R0eGVremRkTlc5aHVJY3oxdFhpdGNXTG9wbERCOVRNbmM3Uk16dlpXV1l3?oc=5) · Duluth News Tribune
- 2018-12-14 [United Properties sells Duluth apartments for $21M - Finance & Commerce](https://news.google.com/rss/articles/CBMikAFBVV95cUxQQTE0dWk2YzRqc0VqcXJjM3ZobXVzdF95QmNUWkUzR05aZmhHd1NwQ3UzQXI3ajMtWWwxaXZlMUVybkw4TVY1Y3Z5YUlOVTZPT3pTMkt4X2NBTll2Qmk1dkE0QWFFS1VjZXRVMmVWdVFLcklKaHpscmNuRks1OE1kdVdWSTRkMkRaZVlxU0thUUw?oc=5) · Finance & Commerce
- 2026-06-01 [Outstanding Teachers Nominations for 2025/2026 - WDIO.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE56Ti1iRTJhaDJoUjlNbDdsbEVIZFl4alJGX3ZiQ1ZCNXo3bk1KemZoS0tMM3dlR0ptcUc5VFZySnlkcVZFM1k3TGZpby11OVhnYTVGdUh6blFnZy1BZmpfckZQMm1UVVBpOFBzOFRJdVYyMVJKY2t6N1RCbnMzdXc?oc=5) · WDIO.com
- 2025-12-18 [Meet Sarah Hodgson, an Outstanding Teacher of the Northland - WDIO.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxORHFRelJMdGU5V29TSnZyVjlOaDc2UEI1aXdvWHpVVEtfY3VRTFAydzZQVzEyRmVJV1VBSkhZT0ZtUHhZSEQxUGVNOEQyRms1T3pvLUhVSzZMU2l0c25BS2JTd1NsMFZodHk2SWtHWUNtN1NHTk9mZlhUelRvYktzZ2JGbExfdmV5UGFkSjhLSG1XY1JsNUcw?oc=5) · WDIO.com
- 2025-04-24 [Meet Heidi Owens, an Outstanding Teacher of the Northland - WDIO.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxOU2VFNnVYdmE1SUpUbC00eEJNZ0xBVmVYRVZzX1NBc0xPWGxhcUZiMy1lalhxblJ6VzVKSEhyS1ZtRkJMU0pmNlpLUUpWYnpqMFJpUFJrTG1TREF6cWhYaHAySll5MldjV19YQ1ZSeTZYSklDSTJGdElaS1ZRTGNqaXRUSjdCd3k4eUZDRC1SRFBMQ0RBaFE?oc=5) · WDIO.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60207 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/47.json (key "60207", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=60207
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide