Federal credit union · Britton, South Dakota · NCUA charter #4951
NORSTAR
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $74.9M
- Total assets
- 2,791
- Members
- 15.0%
- Net-worth ratio
NORSTAR scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $74.9M; members 2,791; net-worth ratio 15.02%; health rank #340 of 4,374; healthier than 90th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#340 of 4,374 health · 2025Q4NORSTAR · health 95/100 · $74.9M · 2025Q4
Call Report peers
NORSTAR in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
NORSTAR vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); NORSTAR sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
NORSTAR vs $50M–$100M peers
- Loan-to-Share Ratio leads the peer set - 73.73% here, 62.60% peer average (+11.13 pp).
South Dakota standing for NORSTAR
- Health composite ranks #5 of 33 among scored South Dakota credit unions.
- South Dakota assets place: #14 of 33.
- Membership ranks #22 of 33 among South Dakota CUs with a reported count (2,791 members).
- One place up in South Dakota, AREA (#4) ties at 95/100; one place down, LAKOTA (#6) scores 93/100, 2 points lower.
NORSTAR Call Report trajectory
NORSTAR: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.9% from $74.9M (2025Q4) to $77.9M (2026Q1).
- Net-worth ratio shifted -0.12 pp (15.14% → 15.02%).
This credit union's 15.02% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 95/100 score is built
NORSTAR gives up 5 points in total. Member Growth costs the most, 4.7 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.3 pts
- Loan-to-Share Ratio 14.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.02% | +1.40 pp |
| Delinquency Rate | 0.00% | -0.96 pp |
| Return on Assets | 1.16% | +0.51 pp |
| Member Growth | 1.05% | - |
| Loan-to-Share Ratio | 73.73% | +11.13 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $77.9M | - |
| 2025Q4 | $74.9M | 2,791 |
| 2024Q4 | $72.2M | 2,762 |
| 2023Q4 | $69.5M | 2,820 |
Credit Union Details
- Charter Number
- 4951
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- South Dakota
- City
- Britton
- Data Quarter
- 2025Q4
Branch Locations (2)
NORSTAR operates 2 offices in Britton, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Location (Main Office) | Britton, SD |
| Vital Records Center | Britton, SD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Dakota
More federally-insured credit unions based in South Dakota, ordered by peer group match and asset size.
NORSTAR nationwide neighbourhoods
Using this data
- NORSTAR ranks #340 of 4,374 nationally on financial health and #5 of 33 in SD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Healthcare Plus is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Healthcare Plus
Frequently Asked Questions
Is NORSTAR financially healthy?
NORSTAR has a financial health score of 95/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #340 of 4,374 nationally on health and #5 of 33 in South Dakota. Its net worth ratio is 15.02% and its delinquency rate 0.00%.
How does NORSTAR compare to other credit unions?
NORSTAR scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (73.73% vs 62.60%).
How can I join NORSTAR?
NORSTAR operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact NORSTAR directly for the exact boundaries and application steps.
Is my money safe at NORSTAR?
NORSTAR is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. NORSTAR's net worth ratio of 15.02% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.