Federal credit union · Lame Deer, Montana · NCUA charter #24943
The Morning Star
Health score 63/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $2.9M
- Total assets
- 2,344
- Members
- 8.4%
- Net-worth ratio
The Morning Star scores 63/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.9M; members 2,344; net-worth ratio 8.39%; health rank #3,963 of 4,374; healthier than 9th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,963 of 4,374 health · 2025Q4The Morning Star · health 63/100 · $2.9M · 2025Q4
Call Report peers
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The Morning Star vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); The Morning Star sits in 60-64 with 179 others.
63 9th percentile higher than 9% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
The Morning Star: Call Report deltas vs peers
- Strongest edge vs 566 $2M–$10M peers is Return on Assets: +4.86 pp (5.31% vs 0.45%).
- Largest lag: Loan-to-Share Ratio at 13.34% vs peer 63.60% (-50.26 pp).
Montana standing for The Morning Star
- In Montana, health place is #39 of 41 on the same NCUA-ratio sort used nationally.
- Montana assets place: #38 of 41.
- Membership ranks #27 of 41 among Montana CUs with a reported count (2,344 members).
- One place up in Montana, BADLANDS (#38) scores 69/100, 6 points higher; one place down, Fort Peck Community (#40) scores 62/100, 1 point lower.
The Morning Star: 2025Q4 → 2026Q1
The Morning Star: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -13.7% from $2.9M (2025Q4) to $2.5M (2026Q1).
- Net-worth ratio shifted +1.23 pp (7.16% → 8.39%).
At 8.39%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 63/100 score is built
The Morning Star gives up 37 points in total. Delinquency Rate costs the most, 25 of its 25; Return on Assets and Member Growth score full marks.
- Net Worth Ratio 26.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 7.0 pts
The Morning Star health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.39% | -10.67 pp |
| Delinquency Rate | 8.94% | +7.13 pp |
| Return on Assets | 5.31% | +4.86 pp |
| Member Growth | 33.56% | - |
| Loan-to-Share Ratio | 13.34% | -50.26 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
The Morning Star quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.5M | - |
| 2025Q4 | $2.9M | 2,344 |
| 2024Q4 | $2.0M | 1,755 |
| 2023Q4 | $1.5M | 789 |
Credit Union Details
- Charter Number
- 24943
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Montana
- City
- Lame Deer
- Data Quarter
- 2025Q4
Branch Locations (2)
The Morning Star operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Lame Deer Montana (Main Office) | Lame Deer, MT |
| Crow Agency | Crow Agency, MT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Montana
A look at other Montana credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near The Morning Star
Using this data
- The Morning Star ranks #3,963 of 4,374 nationally on financial health and #39 of 41 in MT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- M D U Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with M D U Employees
Frequently Asked Questions
Is The Morning Star financially healthy?
The Morning Star has a financial health score of 63/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,963 of 4,374 nationally on health and #39 of 41 in Montana. Its net worth ratio is 8.39% and its delinquency rate 8.94%.
How does The Morning Star compare to other credit unions?
The Morning Star scores 63/100, higher than 9% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is return on assets (5.31% vs 0.45%). Its widest shortfall is loan-to-share ratio (13.34% vs 63.60%).
How can I join The Morning Star?
The Morning Star 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 The Morning Star directly for the exact boundaries and application steps.
Is my money safe at The Morning Star?
The Morning Star 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. The Morning Star's net worth ratio of 8.39% 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.