State credit union · Portsmouth, Virginia · NCUA charter #66956
Northern Star Credit Union, Inc.
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $73.8M
- Total assets
- 7,326
- Members
- 16.4%
- Net-worth ratio
Northern Star Credit Union, Inc. scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $73.8M; members 7,326; net-worth ratio 16.35%; health rank #2,548 of 4,374; healthier than 39th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,548 of 4,374 health · 2025Q4Northern Star · health 81/100 · $73.8M · 2025Q4
Call Report peers
Northern Star Credit Union, Inc. in the assets neighbourhood
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Northern Star Credit Union, Inc. vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Northern Star Credit Union, Inc. sits in 80-84 with 767 others.
81 39th percentile higher than 39% 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
Northern Star Credit Union, Inc.: Call Report deltas vs peers
- Strongest edge vs 584 $50M–$100M peers is Net Worth Ratio: +2.73 pp (16.35% vs 13.62%).
- Largest lag: Loan-to-Share Ratio at 53.12% vs peer 62.60% (-9.48 pp).
Northern Star Credit Union, Inc.: in-state Call Report ranks
- In Virginia, health place is #48 of 95 on the same NCUA-ratio sort used nationally.
- Assets rank #55 of 95 inside Virginia ($73.8M reported).
- Member book place in Virginia: #48 of 95.
- One place up in Virginia, Mount Pleasant Baptist Church (#47) ties at 81/100; one place down, BAYPORT (#49) ties at 81/100.
Northern Star Credit Union, Inc.: 2025Q4 → 2026Q1
Northern Star Credit Union, Inc.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $73.8M (2025Q4) to $75.2M (2026Q1).
- Net-worth ratio shifted -0.17 pp (16.52% → 16.35%).
At 16.35%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 81/100 score is built
Northern Star Credit Union, Inc. gives up 19 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 11.0 pts
Northern Star health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.35% | +2.73 pp |
| Delinquency Rate | 0.27% | -0.69 pp |
| Return on Assets | 0.61% | -0.05 pp |
| Member Growth | -6.48% | - |
| Loan-to-Share Ratio | 53.12% | -9.48 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - Northern Star Credit Union, Inc.
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $75.2M | - |
| 2025Q4 | $73.8M | 7,326 |
| 2024Q4 | $72.6M | 7,834 |
| 2023Q4 | $76.1M | 8,239 |
Credit Union Details
- Charter Number
- 66956
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Virginia
- City
- Portsmouth
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Northern Star Credit Union, Inc..
| Office | City |
|---|---|
| Main Branch (Main Office) | Portsmouth, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
More federally-insured credit unions based in Virginia, ordered by peer group match and asset size.
- VIRGINIA EDUCATORS CREDIT UNIONNewport News, VA · $50M–$100M77Health
- KEMBA ROANOKESALEM, VA · $50M–$100M70Health
- RVA FINANCIALRichmond, VA · $50M–$100M92Health
- CREDIT UNION OF RICHMOND INCORPORATRichmond, VA · $50M–$100M75Health
- PWC EMPLOYEESWoodbridge, VA · $50M–$100M72Health
Compare Northern Star Credit Union, Inc. vs VIRGINIA EDUCATORS CREDIT UNION
Other-state peers near Northern Star Credit Union, Inc.
Using this data
- Northern Star Credit Union, Inc. ranks #2,548 of 4,374 nationally on financial health and #48 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Virginia Educators Credit Union is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Virginia Educators Credit Union
Frequently Asked Questions
Is Northern Star Credit Union, Inc. financially healthy?
Northern Star Credit Union, Inc. has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,548 of 4,374 nationally on health and #48 of 95 in Virginia. Its net worth ratio is 16.35% and its delinquency rate 0.27%.
How does Northern Star Credit Union, Inc. compare to other credit unions?
Northern Star Credit Union, Inc. scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (16.35% vs 13.62%). Its widest shortfall is loan-to-share ratio (53.12% vs 62.60%).
How can I join Northern Star Credit Union, Inc.?
Membership eligibility for Northern Star Credit Union, Inc. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Northern Star Credit Union, Inc. directly for current membership requirements and application steps.
Is my money safe at Northern Star Credit Union, Inc.?
Northern Star Credit Union, Inc. 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. Northern Star Credit Union, Inc.'s net worth ratio of 16.35% 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.