NORTHERN COMMUNITIES
CUDULUTH, MN
Total Assets
$124M
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Total Loans
$101M
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NORTHERN COMMUNITIES in MN reported a nonperforming loan ratio of 1.92% in Q2 2026, up +0.42pp from the prior quarter. The Texas Ratio, a measure of problem assets relative to capital, rose to 13.0%, an increase of +3.1pp.
Portfolio composition
| Category | Balance | % of total | NPL % | Charge-off % |
|---|---|---|---|---|
| 1-4 family — 1st lien | $39M | 38.2% | — | — |
| 1-4 family — junior lien | $15M | 14.7% | — | — |
| Multifamily | $0 | 0.0% | — | — |
| FOUNDATION Consumer Auto New — Unlock to view | ||||
| FOUNDATION Consumer Auto Used — Unlock to view | ||||
| FOUNDATION Consumer Credit Card — Unlock to view | ||||
| FOUNDATION Consumer Other Unsecured — Unlock to view | ||||
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20-quarter trend panels
See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.
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Peer cohort comparison
Benchmark against banks in the same size and geography cohort.
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Full portfolio composition
Every loan category, NPL ratio, and charge-off rate — beyond the top 3.