B
NorthRidge Community Credit Union
Rating Date
July 2025
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Major Rating Factors: Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.3 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 2.7%, coupled with a return on assets of 1.6 has resulted in Excellent (9.5) profitability.
Other Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.1 on a scale of 0 to 10). A current level of 22.3 percent of nonperforming loans to core capital combined with 14.1 percent from a year earlier contributes to the Fair asset quality (3.7).
Asset Mix: Home mtgs (43%), consumer loans (24%), other (33%)
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Corporate Info
Address
283 Kennedy Memorial Drive
Hoyt Lakes, MN 55750
Phone Number
(218) 471-2121
NCUA Charter Number
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