This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Credit union
DULUTH, MN
Health score
91.3
Total assets
$157.5M
Credit union
DULUTH, MN
Health score
86.5
Total assets
$170.3M
Answer first
HARBOR POINTE leads on financial health and profitability and lending quality; MINNESOTA POWER EMPLOYEES leads on capitalization. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
HARBOR POINTE
Higher TFS health score
Capitalization
MINNESOTA POWER EMPLOYEES
Higher comparable capital ratio
Profitability
HARBOR POINTE
Higher return on assets
Lending quality
HARBOR POINTE
Lower problem-loan measure
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | HARBOR POINTE | MINNESOTA POWER EMPLOYEES |
|---|---|---|
| TFS health score | 91.3/100Leads | 86.5/100 |
| Total assets | $157.5M | $170.3M |
| Total deposits / shares | $136.1M | $138.8M |
| Net worth ratio | 13.35% | 13.62%Leads |
| Return on assets | 1.42%Leads | 1.26% |
| Return on equity | 10.65%Leads |
HARBOR POINTE
4 branches
MINNESOTA POWER EMPLOYEES
3 branches
Both institutions report branches in 1 state: MN.
HARBOR POINTE
Unavailable
MINNESOTA POWER EMPLOYEES
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
HARBOR POINTE
0 in TFS registry
MINNESOTA POWER EMPLOYEES
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
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Coverage boundaries
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Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 9.28% |
| 60+ day delinquency | 0.55%Leads | 0.95% |
| Net charge-offs | 0.03%Leads | 0.05% |
| Efficiency ratio | — | — |
| Loan-to-deposit ratio | 93.79% | 83.94% |
| Asset growth (YoY) | — | — |
| Deposit / share growth (YoY) | — | — |
| Branches | 4 | 3 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |