State credit union · Maddock, North Dakota · NCUA charter #62563
North Star Community
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $467.6M
- Total assets
- 22,098
- Members
- 13.9%
- Net-worth ratio
North Star Community scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $467.6M; members 22,098; net-worth ratio 13.85%; health rank #2,962 of 4,374; healthier than 31st of scored peers.
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NCUA 5300 Call Report Masthead
#2,962 of 4,374 health · 2025Q4North Star Community · health 78/100 · $467.6M · 2025Q4
Call Report peers
North Star Community in the assets neighbourhood
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North Star Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); North Star Community sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where North Star Community diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 83.69% here, 72.20% peer average (+11.49 pp).
- Largest lag: Delinquency Rate at 2.28% vs peer 0.89% (+1.38 pp).
North Star Community: in-state Call Report ranks
- Health composite ranks #19 of 29 among scored North Dakota credit unions.
- North Dakota assets place: #5 of 29.
- Membership ranks #4 of 29 among North Dakota CUs with a reported count (22,098 members).
- One place up in North Dakota, CCE (#18) scores 82/100, 4 points higher; one place down, RIVERFORK (#20) scores 77/100, 1 point lower.
Quarter path for North Star Community
North Star Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $467.6M (2025Q4) to $470.6M (2026Q1).
- Net-worth ratio shifted +0.22 pp (13.63% → 13.85%).
This credit union's 13.85% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 78/100 score is built
North Star Community gives up 22 points in total. Delinquency Rate costs the most, 14.2 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 10.8 pts
- Return on Assets 15.0 pts
- Member Growth 6.9 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for North Star Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.85% | +1.74 pp |
| Delinquency Rate | 2.28% | +1.38 pp |
| Return on Assets | 0.72% | +0.09 pp |
| Member Growth | -1.15% | - |
| Loan-to-Share Ratio | 83.69% | +11.49 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - North Star Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $470.6M | - |
| 2025Q4 | $467.6M | 22,098 |
| 2024Q4 | $459.3M | 22,356 |
| 2023Q4 | $488.0M | 22,923 |
Credit Union Details
- Charter Number
- 62563
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- North Dakota
- City
- Maddock
- Data Quarter
- 2025Q4
Branch Locations (13)
North Star Community operates 13 offices across 11 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Maddock (Main Office) | Maddock, ND |
| Bottineau | Bottineau, ND |
| Butte | Butte, ND |
| Cavalier | Cavalier, ND |
| Devils Lake | Devils Lake, ND |
| Grafton | Grafton, ND |
| S Broadway Minot | Minot, ND |
| Minot AFB | Minot, ND |
| North Minot | Minot, ND |
| Rugby | Rugby, ND |
| Tolna | Tolna, ND |
| Velva | Velva, ND |
| Willow City | Willow City, ND |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Dakota
More federally-insured credit unions based in North Dakota, ordered by peer group match and asset size.
North Star Community nationwide neighbourhoods
Using this data
- North Star Community ranks #2,962 of 4,374 nationally on financial health and #19 of 29 in ND -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Dakota West is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Dakota West
Frequently Asked Questions
Is North Star Community financially healthy?
North Star Community has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,962 of 4,374 nationally on health and #19 of 29 in North Dakota. Its net worth ratio is 13.85% and its delinquency rate 2.28%.
How does North Star Community compare to other credit unions?
North Star Community scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (83.69% vs 72.20%). Its widest shortfall is delinquency rate (2.28% vs 0.89%).
How can I join North Star Community?
Membership eligibility for North Star Community 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 Community directly for current membership requirements and application steps.
Is my money safe at North Star Community?
North Star Community 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 Community's net worth ratio of 13.85% 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.