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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,962 of 4,374 health · 2025Q4North Star Community · health 78/100 · $467.6M · 2025Q4
- ROA 78/100
- ASSETS 13.9%
- MEM 2.28%
- RANK 0.72%
- PHOTO $467.6M
- BOOK 22,098
- CHARTER #2,962/4,374
- NCUSIF WIDGET
- CAMELS 62563
Call Report peers
North Star Community in the assets neighbourhood
North Star Community's $467.6M assets sit next to WIDGET ($467.5M) 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.
North Star Community 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
78 31st percentile higher than 31% 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
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.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for ND only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for North Star Community
North Star Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.6% from $467.6M (2025Q4) to $470.6M (2026Q1).
- Net-worth ratio shifted +0.22 pp (13.63% → 13.85%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Two NCUA Call Report peer sets for North Star Community, both outside North Dakota so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($467.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
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
- Rates and health both vary by institution, not just by state -- see how North Dakota credit unions compare overall before assuming this one is typical. North 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,962 of 4,374; by total assets it ranks #783 of 4,374 nationally (same basis as /rankings/largest); and #5 of 29 within North Dakota. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.85% 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 13.85% 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.
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.