Harbor Pointe
Harbor Pointe is a credit union based in Duluth, Minnesota, established in 1933, with $158 million in total assets serving 8,002 members. By Trust Grade it ranks 9th of 81 credit unions we track in Minnesota. Its net worth ratio of 13.3% is stronger than 75% of similarly sized credit unions, versus a Minnesota median of 12.2%. It was profitable over the most recent period, with a 1.42% return on assets. No consumer complaints against Harbor Pointe appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Harbor Pointe compares to Minnesota peers
How we graded Harbor Pointe
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (13.3% capital ratio)
- Strongly profitable (ROA 1.42%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Harbor Pointe over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Harbor Pointe insured?
Yes. Harbor Pointe is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Harbor Pointe: frequently asked questions
Is Harbor Pointe a good credit union?
Harbor Pointe earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (13.3% capital ratio); Strongly profitable (ROA 1.42%).
Is Harbor Pointe NCUA-insured?
Yes. Harbor Pointe is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Harbor Pointe?
Harbor Pointe holds $158 million in total assets, ranking 9th of 81 credit unions we track in Minnesota. It serves 8,002 members.
Does Harbor Pointe have CFPB complaints?
No CFPB complaints against Harbor Pointe appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
