NORTHERN STAR CREDIT UNION, INC.
Charter #66956 · Portsmouth, VA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.35% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.67% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.21% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.35% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 29th percentile but its structural peers at the 57th — a 28-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 | NORTHERN STAR CREDIT UNION, INC. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $75.15M | 58th pct | 69th pct |
| Members | 7,222 | 81th pct | 70th pct |
| Net worth ratio | 16.35% | 78th pct | 75th pct |
| Return on average assets | 0.55% | 41th pct | 44th pct |
| Net interest margin | 4.67% | 91th pct | 82th pct |
| Cost of funds | 0.21% | 10th pct | 18th pct |
| Loan-to-share | 49.51% | 29th pct | 57th pct |
| Delinquency 60+ days | 0.35% | 34th pct | 23th pct |
| Net charge-off ratio | 0.09% | 31th pct | 28th pct |
| Loan growth YoY | -9.01% | 4th pct | 16th pct |
| Share growth YoY | 2.24% | 43th pct | 43th pct |
| Efficiency ratio | 89.67% | 78th pct | 62th pct |
structural peer set hash: a301ea8df0c7b329f29ac0fb150361f4… (reproducible)
Closest structural peers
This is the free public view
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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.