State credit union · Maddock, North Dakota · NCUA charter #62563
North Star Community
Health score 78/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $467.6M
- Total assets
- 22,098
- Members
- 10.9%
- Net-worth ratio
North Star Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #62563. See our deposit-insurance coverage note.
North Star Community - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)43
- Earnings (ROA)100
- Member growth46
- Liquidity (loan-to-share)100
Weighted composite: 78/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 10.87% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.87% | 30% |
| Delinquency Rate | 2.28% | 25% |
| Return on Assets | 0.72% | 15% |
| Member Growth | -1.15% | 15% |
| Loan-to-Share Ratio | 83.69% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About North Star Community
Headquartered in Maddock, North Dakota, North Star Community is a state credit union with 22,098 members, $467.6M in total assets, and $325.9M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 78/100 (Very Good), driven in part by a net worth ratio of 10.87% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #62563 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Two more numbers round out the picture: a 2.28% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers - and a 83.69% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.72% on net income of $3.3M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.15%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in North Dakota
More federally-insured credit unions based in North Dakota, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is North Star Community financially healthy?
North Star Community has a financial health score of 78/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.87% and delinquency rate of 2.28%.
How does North Star Community compare to other credit unions?
Five weighted metrics from NCUA filings produce North Star Community's 78/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like North Star Community 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. North Star Community's net worth ratio of 10.87% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does North Star Community offer compared to banks?
Credit unions like North Star Community 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 North Star Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.