Credit union · NCUA insured
NorthRidge Community Credit Union
A $109.6M credit union headquartered in Virginia, MN, with 7,962 members and 5 branches in Minnesota. Best rates: CDs 4.31% and savings 1.01% APY.
NorthRidge Community Credit Union Carrot Score
84
Carrot Score
Higher than 65% of U.S. banks and credit unions
#10 of 29 in Duluth, MN-WI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About NorthRidge Community Credit Union
- Headquarters
- 921 17th St S, Virginia, MN 55792
- NCUA charter
- 61257
Branches
5 branches in Minnesota
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Minnesota
5 branches
- Virginia OfficeMain office921 17th St S, Virginia, MN 55792Directions
- Biwabik Office222 Main St S, Biwabik, MN 55708Directions
- Ely Office1321 E Sheridan St, Ely, MN 55731Directions
- Hibbing Office4125 9th Avenue West, Suite 100, Hibbing, MN 55746Directions
- Hoyt Lakes Office283 Kennedy Memorial Dr, Hoyt Lakes, MN 55750Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 15.60% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 4.18% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 2.04% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $95 | $76 | — |
- CapitalNet worth ratio15.60%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late4.18%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets2.04%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$95Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of NorthRidge Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.