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
- BOOK 81/100
- CHARTER 16.4%
- NCUSIF 0.27%
- CAMELS 0.61%
- HEALTH $73.8M
- NW 7,326
- DELQ #2,548/4,374
- ROA REDBRAND
- ASSETS 66956
Call Report peers
Northern Star Credit Union, Inc. in the assets neighbourhood
Northern Star Credit Union, Inc.'s $73.8M assets sit next to REDBRAND ($73.8M) 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.
Northern Star Credit Union, Inc. 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
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. - Share Insurance Coverage
Charter #66956's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Northern Star Credit Union, Inc.: 2025Q4 → 2026Q1
Northern Star Credit Union, Inc.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $73.8M (2025Q4) to $75.2M (2026Q1).
- Net-worth ratio shifted -0.17 pp (16.52% → 16.35%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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.
Cross-state asset and health neighbours for Northern Star Credit Union, Inc. - kept outside Virginia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($73.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Virginia credit unions compare overall before assuming this one is typical. Virginia 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 Northern Star Credit Union, Inc. financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Northern Star Credit Union, Inc. carries a financial health score of 81/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,548 of 4,374; by total assets it ranks #2,091 of 4,374 nationally (same basis as /rankings/largest); and #55 of 95 within Virginia. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.35% net worth ratio and a 0.27% delinquency rate.
How does Northern Star Credit Union, Inc. compare to other credit unions?
On PlainCU's health composite, Northern Star Credit Union, Inc. lands at 81/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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.?
Federal credit unions like Northern Star Credit Union, Inc. 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. Northern Star Credit Union, Inc.'s net worth ratio of 16.35% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Northern Star Credit Union, Inc. offer compared to banks?
Credit unions like Northern Star Credit Union, Inc. 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 Northern Star Credit Union, Inc. 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.