NORTH STAR COMMUNITY
Charter #62563 · Maddock, ND · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.85% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.39% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.15% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.32% sits at the 95th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 84th percentile but its structural peers at the 67th — a 16-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | NORTH STAR COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $470.63M | 97th pct | 92th pct |
| Members | 22,222 | 84th pct | 67th pct |
| Net worth ratio | 13.85% | 78th pct | 79th pct |
| Return on average assets | 1.22% | 79th pct | 74th pct |
| Net interest margin | 4.39% | 87th pct | 87th pct |
| Cost of funds | 0.15% | 8th pct | 11th pct |
| Loan-to-share | 79.45% | 67th pct | 52th pct |
| Delinquency 60+ days | 2.32% | 96th pct | 95th pct |
| Net charge-off ratio | 0.43% | 57th pct | 56th pct |
| Loan growth YoY | -4.49% | 8th pct | 0th pct |
| Share growth YoY | 6.54% | 85th pct | 89th pct |
| Efficiency ratio | 69.56% | 24th pct | 26th pct |
structural peer set hash: ac9ee74e5a8f6f208a81a5c4200fc11c… (reproducible)
Closest structural peers
This is the free public view
Claim NORTH STAR COMMUNITY
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.