President's Message                                                

Your credit union is very strong financially and we have plenty of money to lend! 

NorthRidge Community Credit Union has policies in place and we are stewards of your money.  Who do we work for?   You, the member. 

2010 was a strong financial year for our credit union.   Although the ecomomy has not changed, our credit union continues to increase our capital position.   As of December 31, 2010, our capital ratio is 12.19%.   The NCUA definition of “well capitalized” is 7.0%.

As a farm girl from a small farming community, I grew to understand the value of cooperative and the common goal of “People Helping People”.  I promise YOU, as the president, I will honor that commitment and we will never forget our rich history and the spirit of community.  In these times, It is so important to continue to pass on the tradition of membership.  We thank you for your continuing support and confidence through these economic times.   

The core of the credit union model is to lend out our deposits.  In the future, I encourage you to use your credit union for all of your lending needs.  We have many loan products to meet your needs such as:

Mortgage Loans         Car Loans          RV loans        Home Heating    Personal Loans   Visa Credit Cards   Overdraft

Home Equity Loans    School Loans    Computer        Holiday Relief Loans  

A great product for our members is our mortgage loans.   We offer many loan options with ammortization terms up to 30 years.   If you have any concerns about the mortgage loan you may have with another lender, please call Cathy Peterson at 218-748-2651.

Please contact Liz Nartnik for any of your life insurance needs.   She is available to meet with you at any of our three convenient offices.   Her direct phone line is 218-865-7129. 

Going forward, your Credit Union Board of Directors and management team will continue to perform our due diligence in managing the balance sheet for the membership. 

As stewards of your money, we will continue to manage our expenses and operational efficiencies that fit our size credit union and focusing on our community and “you” the member, to ensure that we have the products and services that meet our hometown needs.

I am confident that NorthRidge Community Credit Union will be successful because of YOU THE MEMBER, the dedication and commitment  of our Board of Directors, and our Credit Union Staff. 

Our staff will continue to provide personal one-on-one service to help our membership through these uncertain times.  I am proud of where our Credit Union is today and the direction that we are heading for the future. 

Remember, our sole reason for being here is to serve you, our member, and help you grow financially.  Thank you for your loyalty, you definitely have ours!

Here are some phone numbers to assist you with your lending needs:

Hoyt Lakes Office:                             Biwabik Office:                             Virginia Office:                         

Phone:  218-471-2121                        Phone:  218-865-6143                   Phone:  218-748-2609

Loans Doris: 218-471-2105                Loans Sharon: 218-865-7165          Loans Cathy: 218-748-2651

                                                       Loans Eva:  218-865-0106              Loans Deana:  218- 748-2653

As a member of the credit union, you can pass on the tradition of safety to your family through your membership.  In addition, you can help your credit union grow by referring friends and co-workers to NorthRidge Community Credit Union.  Residents of St. Louis, Lake, and Itasca County can join.  

As the President of NorthRidge Community Credit Union, I enjoy meeting all of our members.   Please stop by and introduce yourself.  I am here to serve you and value the relationship we will build in the future.  You can reach me at 218-225-4170 or tmatthews@nrccu.org.  I welcome your comments, criticisms, and suggestions.

Respectfully,      

Trish Matthews                                                                                                                                                                         

 The Power Is In Our Members