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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,600 of 4,374 health · 2025Q4Northern Sts Pwr Company Emp · health 70/100 · $1.5M · 2025Q4
- DELQ 70/100
- ROA 10.5%
- ASSETS 2.16%
- MEM 0.18%
- RANK $1.5M
- PHOTO 121
- BOOK #3,600/4,374
- CHARTER n/a
- NCUSIF 147
Call Report peers
Northern Sts Pwr Company Emp carries $1.5M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Northern Sts Pwr Company Emp 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
70 17th percentile higher than 17% 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 Sts Pwr Company Emp - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #147: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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%).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for ND only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Northern Sts Pwr Company Emp: 2025Q4 → 2026Q1
Northern Sts Pwr Company Emp: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -3.4% from $1.5M (2025Q4) to $1.5M (2026Q1).
- Net-worth ratio shifted +0.63 pp (9.85% → 10.48%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 70.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
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
Two NCUA Call Report peer sets for Northern Sts Pwr Company Emp, both outside North Dakota so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (70/100 here).
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.
- 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 Northern Sts Pwr Company Emp financially healthy?
Northern Sts Pwr Company Emp scores 70/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,600 of 4,374; by total assets it ranks #4,179 of 4,374 nationally (same basis as /rankings/largest); and #29 of 29 within North Dakota. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.48% net worth ratio and a 2.16% delinquency rate.
How does Northern Sts Pwr Company Emp compare to other credit unions?
70/100 is Northern Sts Pwr Company Emp's score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like Northern Sts Pwr Company Emp 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 Sts Pwr Company Emp's net worth ratio of 10.48% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Northern Sts Pwr Company Emp offer compared to banks?
Credit unions like Northern Sts Pwr Company Emp 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 Sts Pwr Company Emp 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.