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
- NCUSIF 95/100
- CAMELS 15.0%
- HEALTH 0.00%
- NW 1.16%
- DELQ $74.9M
- ROA 2,791
- ASSETS #340/4,374
- MEM Churchill County
- RANK 4951
Call Report peers
NORSTAR in the assets neighbourhood
NORSTAR's $74.9M assets sit next to Churchill County ($74.9M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #4951 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
NORSTAR vs $50M–$100M peers
- Loan-to-Share Ratio leads the peer set - 73.73% here, 62.60% peer average (+11.13 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for SD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
NORSTAR Call Report trajectory
NORSTAR: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.9% from $74.9M (2025Q4) to $77.9M (2026Q1).
- Net-worth ratio shifted -0.12 pp (15.14% → 15.02%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
NORSTAR's nationwide photo peers by assets and by health score, excluding South Dakota charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($74.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
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
- Rates and health both vary by institution, not just by state -- see how South Dakota credit unions compare overall before assuming this one is typical. South Dakota state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is NORSTAR financially healthy?
A 15.02% net worth ratio and a 0.00% delinquency rate feed into NORSTAR's financial health score of 95/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #340 of 4,374; by total assets it ranks #2,073 of 4,374 nationally (same basis as /rankings/largest); and #14 of 33 within South Dakota. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does NORSTAR compare to other credit unions?
PlainCU's health composite puts NORSTAR at 95/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like NORSTAR are 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."
What rates does NORSTAR offer compared to banks?
Credit unions like NORSTAR are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact NORSTAR directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.