Federal credit union · Grand Forks, North Dakota · NCUA charter #147
Northern Sts Pwr Company Emp
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $1.5M
- Total assets
- 121
- Members
- 10.5%
- Net-worth ratio
Northern Sts Pwr Company Emp scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.5M; members 121; net-worth ratio 10.48%; health rank #3,600 of 4,374; healthier than 17th of scored peers.
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NCUA 5300 Call Report Masthead
#3,600 of 4,374 health · 2025Q4Northern Sts Pwr Company Emp · health 70/100 · $1.5M · 2025Q4
Call Report peers
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Northern Sts Pwr Company Emp vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Northern Sts Pwr Company Emp sits in 70-74 with 317 others.
70 17th percentile higher than 17% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Northern Sts Pwr Company Emp: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 82.55% here, 52.70% peer average (+29.85 pp).
- Widest shortfall vs peers is Net Worth Ratio: -12.45 pp (10.48% vs 22.93%).
Northern Sts Pwr Company Emp: in-state Call Report ranks
- North Dakota health ordinal: #24 of 29.
- North Dakota assets place: #29 of 29.
- North Dakota membership ordinal: #29 of 29.
- One place up in North Dakota, Vue Community (#23) scores 74/100, 4 points higher; one place down, Area Community (#25) scores 69/100, 1 point lower.
Northern Sts Pwr Company Emp: 2025Q4 → 2026Q1
Northern Sts Pwr Company Emp: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -3.4% from $1.5M (2025Q4) to $1.5M (2026Q1).
- Net-worth ratio shifted +0.63 pp (9.85% → 10.48%).
This credit union's 10.48% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 70/100 score is built
Northern Sts Pwr Company Emp gives up 30 points in total. Delinquency Rate costs the most, 13.5 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 11.5 pts
- Return on Assets 10.2 pts
- Member Growth 3.2 pts
- Loan-to-Share Ratio 15.1 pts
Northern Sts Pwr Company Emp health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.48% | -12.45 pp |
| Delinquency Rate | 2.16% | -2.32 pp |
| Return on Assets | 0.18% | -0.04 pp |
| Member Growth | -3.20% | - |
| Loan-to-Share Ratio | 82.55% | +29.85 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Northern Sts Pwr Company Emp quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.5M | - |
| 2025Q4 | $1.5M | 121 |
| 2024Q4 | $1.6M | 125 |
| 2023Q4 | $1.6M | 127 |
Credit Union Details
- Charter Number
- 147
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- North Dakota
- City
- Grand Forks
- Data Quarter
- 2025Q4
Branch Location
Northern Sts Pwr Company Emp operates a single office in Grand Forks, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Credit Union (Main Office) | Grand Forks, ND |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Dakota
Other federally-insured credit unions in North Dakota, closest first by peer group and asset size.
Cross-state Call Report peers for Northern Sts Pwr Company Emp
Similar health score
Using this data
- Northern Sts Pwr Company Emp ranks #3,600 of 4,374 nationally on financial health and #24 of 29 in ND -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- F.F.E. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with F.F.E.
Frequently Asked Questions
Is Northern Sts Pwr Company Emp financially healthy?
On its 2025Q4 NCUA 5300 filing, Northern Sts Pwr Company Emp scores 70/100 (Very Good), with a 10.48% net worth ratio and 2.16% of loans delinquent. It ranks #3,600 of 4,374 nationally on health and #24 of 29 in North Dakota.
How does Northern Sts Pwr Company Emp compare to other credit unions?
Northern Sts Pwr Company Emp scores 70/100, higher than 17% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (82.55% vs 52.70%). Its widest shortfall is net worth ratio (10.48% vs 22.93%).
How can I join Northern Sts Pwr Company Emp?
Northern Sts Pwr Company Emp operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Northern Sts Pwr Company Emp directly for the exact boundaries and application steps.
Is my money safe at Northern Sts Pwr Company Emp?
Northern Sts Pwr Company Emp is a federal 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 Sts Pwr Company Emp's net worth ratio of 10.48% 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.