Federal credit union · Lame Deer, Montana · NCUA charter #24943
The Morning Star
Health score 60/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 60
- Health / 100
- $2.9M
- Total assets
- 2,344
- Members
- 7.2%
- Net-worth ratio
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 - 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)76
- Asset quality (delinquency)0
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)48
Weighted composite: 60/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 7.16%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.16% | 30% |
| Delinquency Rate | 8.94% | 25% |
| Return on Assets | 5.31% | 15% |
| Member Growth | 33.56% | 15% |
| Loan-to-Share Ratio | 13.34% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About The Morning Star
Headquartered in Lame Deer, Montana, The Morning Star is a federal credit union with 2,344 members, $2.9M in total assets, and $323K in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 60/100 (Good), driven in part by a net worth ratio of 7.16% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #24943 and reports within peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Two more numbers round out the picture: a 8.94% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers - and a 13.34% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 5.31% on net income of $156K 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 33.56%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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.
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 The Morning Star financially healthy?
Yes/no aside, the number is 60/100 (Good) - The Morning Star's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 7.16% 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 60/100, 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 7.16% 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.
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.