Northern Star Credit Union, Inc.

Portsmouth, VA · 2 · Charter #66956 · www.nstarcu.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
$73.8M
25th percentile
Members
7,326
48th percentile
Total loans
$33.9M
19th percentile
Total shares
$63.8M
27th percentile

Profitability

Return on assets
1.44%
75th percentile
Net interest margin
5.12%
97th percentile
Efficiency ratio
72.30%
20th percentile
Non-interest income ratio
9.99%
16th percentile

Capital & Risk

Net worth ratio
16.52%
84th percentile
Delinquency rate
0.27%
82th percentile
Net charge-off rate
0.29%
54th percentile
Loan-to-share
53.12%
24th percentile

Growth

Member growth YoY
-6.48%
7th percentile
Asset growth YoY
1.61%
31th percentile
Loan growth YoY
-15.29%
1th percentile
Share growth YoY
-0.79%
18th percentile

Operations

Members / branch
7,326
95th percentile
Assets / member
$10,068
14th percentile
Field of membership penetration
0.73%
10th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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