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
- PHOTO 63/100
- BOOK 8.4%
- CHARTER 8.94%
- NCUSIF 5.31%
- CAMELS $2.9M
- HEALTH 2,344
- NW #3,963/4,374
- DELQ n/a
- ROA 24943
Call Report peers
The Morning Star carries $2.9M 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.
The Morning Star 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
63 9th percentile higher than 9% 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
The Morning Star - Share Insurance Coverage
Charter #24943'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.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for MT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
The Morning Star: 2025Q4 → 2026Q1
The Morning Star: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -13.7% from $2.9M (2025Q4) to $2.5M (2026Q1).
- Net-worth ratio shifted +1.23 pp (7.16% → 8.39%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 63.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Cross-state asset and health neighbours for The Morning Star - kept outside Montana; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (63/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Montana credit unions compare overall before assuming this one is typical. Montana 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 The Morning Star financially healthy?
Yes/no aside, the number is 63/100 (Good) - The Morning Star's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,963 of 4,374; by total assets it ranks #4,054 of 4,374 nationally (same basis as /rankings/largest); and #38 of 41 within Montana. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.39% net worth ratio and 8.94% delinquency rate are the key drivers.
How does The Morning Star compare to other credit unions?
PlainCU's health composite puts The Morning Star at 63/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like The Morning Star 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. The Morning Star's net worth ratio of 8.39% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does The Morning Star offer compared to banks?
Credit unions like The Morning Star 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 The Morning Star 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.