Harbor Pointe Credit Union
Duluth, Minnesota
Financial Health Score
9-metric score across financial health, operational efficiency, and organizational resilience. Based on IRS Form 990 data.
Good
How This Organization Compares
Compared to 22 peers in Unclassified with $1M-$10M revenue
Working Capital Ratio (net assets ÷ expenses)
Financial Trends
5-Year Trend Analysis
Financial Health Indicators
Filing History
13 filings on record| Year | Revenue | Expenses | Assets | |
|---|---|---|---|---|
| 2023 | $6,824,977↑19% | $5,353,089↑17% | $146,163,101↓4% | |
| 2022 | $5,734,343↑11% | $4,585,398↑11% | $152,867,431↓1% | — |
| 2021 | $5,158,658↑3% | $4,112,578↑5% | $155,144,214↑13% | — |
| 2020 | $4,999,363↓1% | $3,925,350↓4% | $137,140,807↑14% | — |
| 2019 | $5,063,368↑10% | $4,104,278↑15% | $120,417,051↑7% | — |
| 2018 | $4,592,855↑11% | $3,569,241↑4% | $112,172,759↑2% | — |
| 2017 | $4,139,411↑5% | $3,447,293↑3% | $110,251,816↑4% | — |
| 2016 | $3,929,691↑1% | $3,331,216↑6% | $106,117,103↑6% | — |
| 2015 | $3,894,847↑6% | $3,128,927↑1% | $99,724,343↑7% | — |
| 2014 | $3,687,295↑2% | $3,085,296↑5% | $92,981,372↑6% | — |
| 2013 | $3,609,557↓3% | $2,941,644 | $87,671,505↑6% | — |
| 2012 | $3,721,606↓1% | $2,936,761↓11% | $82,360,355↑10% | — |
| 2011 | $3,749,126 | $3,315,095 | $74,744,458 | — |
Frequently Asked Questions
What does Harbor Pointe Credit Union do?▼
Harbor Pointe Credit Union is a unclassified nonprofit organization based in Minnesota. It is classified under NTEE code Z and is registered as a 501(c) tax-exempt organization with the IRS.
Is Harbor Pointe Credit Union financially healthy?▼
Based on our 9-metric Financial Health Score model, Harbor Pointe Credit Union has a score of 68/100 (Grade: B+). This score evaluates working capital, surplus consistency, debt ratio, revenue trends, program spending, fundraising efficiency, executive compensation, revenue diversification, and vulnerability indicators.
How much revenue does Harbor Pointe Credit Union generate?▼
Harbor Pointe Credit Union reports $7.6M in annual revenue and holds $144.0M in total assets, based on IRS filings.
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