State credit union · COOK, Minnesota · NCUA charter #60689
North Star
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $112.1M
- Total assets
- 6,037
- Members
- 9.2%
- Net-worth ratio
North Star scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $112.1M; members 6,037; net-worth ratio 9.21%; health rank #2,475 of 4,374; healthier than 43rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,475 of 4,374 health · 2025Q4North Star · health 82/100 · $112.1M · 2025Q4
Call Report peers
North Star in the assets neighbourhood
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North Star vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); North Star sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
North Star vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 86.80% here, 72.20% peer average (+14.60 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.90 pp (9.21% vs 12.11%).
Where North Star sits in Minnesota
- In Minnesota, health place is #58 of 82 on the same NCUA-ratio sort used nationally.
- By total assets, North Star is #43 of 82 in Minnesota.
- Membership ranks #41 of 82 among Minnesota CUs with a reported count (6,037 members).
- One place up in Minnesota, CARPENTERS (#57) ties at 82/100; one place down, Toro Employees (#59) scores 81/100, 1 point lower.
North Star Call Report trajectory
North Star: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $112.1M (2025Q4) to $112.7M (2026Q1).
- Net-worth ratio shifted +0.33 pp (8.88% → 9.21%).
This credit union's 9.21% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 82/100 score is built
North Star gives up 18 points in total. Return on Assets costs the most, 11.5 of its 15; Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 28.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 3.5 pts
- Member Growth 10.2 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for North Star
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.21% | -2.90 pp |
| Delinquency Rate | 0.00% | -0.89 pp |
| Return on Assets | -0.11% | -0.73 pp |
| Member Growth | 1.02% | - |
| Loan-to-Share Ratio | 86.80% | +14.60 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - North Star
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $112.7M | - |
| 2025Q4 | $112.1M | 6,037 |
| 2024Q4 | $105.6M | 5,976 |
| 2023Q4 | $97.5M | 6,276 |
Credit Union Details
- Charter Number
- 60689
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Minnesota
- City
- COOK
- Data Quarter
- 2025Q4
Branch Locations (5)
North Star operates 5 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office 24 S River St (Main Office) | Cook, MN |
| North Star Credit Union North Woods Money Cave | Cook, MN |
| Northern Pacific Duluth Branch | Duluth, MN |
| Mt. Iron | Mountain Iron, MN |
| Nashwauk Branch | Nashwauk, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
More federally-insured credit unions based in Minnesota, ordered by peer group match and asset size.
North Star nationwide neighbourhoods
Using this data
- North Star ranks #2,475 of 4,374 nationally on financial health and #58 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Northridge Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Northridge Community
Frequently Asked Questions
Is North Star financially healthy?
North Star has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,475 of 4,374 nationally on health and #58 of 82 in Minnesota. Its net worth ratio is 9.21% and its delinquency rate 0.00%.
How does North Star compare to other credit unions?
North Star scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (86.80% vs 72.20%). Its widest shortfall is net worth ratio (9.21% vs 12.11%).
How can I join North Star?
Membership eligibility for North Star depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact North Star directly for current membership requirements and application steps.
Is my money safe at North Star?
North Star is a state-chartered 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. North Star's net worth ratio of 9.21% 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.