HARBOR POINTE
Charter #60207 · DULUTH, MN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.35% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.44% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.15% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.00% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.03% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | HARBOR POINTE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $157.50M | 34th pct | 25th pct |
| Members | 8,002 | 18th pct | 31th pct |
| Net worth ratio | 13.35% | 73th pct | 77th pct |
| Return on average assets | 1.44% | 87th pct | 85th pct |
| Net interest margin | 4.15% | 79th pct | 84th pct |
| Cost of funds | 1.00% | 38th pct | 8th pct |
| Loan-to-share | 93.79% | 95th pct | 75th pct |
| Delinquency 60+ days | 0.55% | 45th pct | 48th pct |
| Net charge-off ratio | 0.03% | 10th pct | 20th pct |
| Loan growth YoY | 4.27% | 83th pct | 72th pct |
| Share growth YoY | 4.10% | 59th pct | 56th pct |
| Efficiency ratio | 70.74% | 26th pct | 28th pct |
structural peer set hash: 621bb007d599e476687b1127bf914d8b… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.