Federal credit union · Grand Forks, North Dakota · NCUA charter #147
Northern Sts Pwr Company Emp
Health score 67/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $1.5M
- Total assets
- 121
- Members
- 8.9%
- Net-worth ratio
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 - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)91
- Asset quality (delinquency)46
- Earnings (ROA)68
- Member growth22
- Liquidity (loan-to-share)100
Weighted composite: 67/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 8.93% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.93% | 30% |
| Delinquency Rate | 2.16% | 25% |
| Return on Assets | 0.18% | 15% |
| Member Growth | -3.20% | 15% |
| Loan-to-Share Ratio | 82.55% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Northern Sts Pwr Company Emp
The five-factor composite scores Northern Sts Pwr Company Emp at 67/100 (Good), reflecting a net worth ratio of 8.93% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Grand Forks, North Dakota, reports 121 members, $1.5M in total assets, and $1.1M in outstanding loans as of Q4 2025 under charter #147 (peer group Under $2M, a cohort of 243 similarly-sized institutions).
2.16% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Deposit deployment is captured by the 82.55% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.18% on net income of $3K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.20%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in North Dakota
Other federally-insured credit unions in North Dakota, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Northern Sts Pwr Company Emp financially healthy?
Northern Sts Pwr Company Emp scores 67/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.93% net worth ratio and a 2.16% delinquency rate.
How does Northern Sts Pwr Company Emp compare to other credit unions?
67/100 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 8.93% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.