North Star

COOK, MN · 2 · Charter #60689 · www.northstarcreditunion.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$112.1M
53th percentile
Members
6,037
35th percentile
Total loans
$87.9M
69th percentile
Total shares
$99.8M
55th percentile

Profitability

Return on assets
0.59%
22th percentile
Net interest margin
3.81%
58th percentile
Efficiency ratio
65.34%
41th percentile
Non-interest income ratio
12.81%
29th percentile

Capital & Risk

Net worth ratio
8.83%
9th percentile
Delinquency rate
0.00%
99th percentile
Net charge-off rate
0.15%
74th percentile
Loan-to-share
88.13%
84th percentile

Growth

Member growth YoY
1.02%
69th percentile
Asset growth YoY
6.17%
70th percentile
Loan growth YoY
-0.24%
41th percentile
Share growth YoY
6.06%
72th percentile

Operations

Members / branch
1,207
4th percentile
Assets / member
$18,573
78th percentile
Field of membership penetration
2.10%
29th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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