North Star Credit Union Cook, Minnesota
North Star Credit Union is a state-chartered credit union headquartered in Cook, MN, established in 1939 (NCUA charter 60689), and it is regulated and insured by the NCUA. At Q2 2026 it reported 6,090 members and total assets of $116.0M (up 4.8% from Q2 2025), the 40th largest of 79 credit unions headquartered in Minnesota. Its net worth ratio was 9.38% at Q2 2026, in the well capitalized band.
Also written as North Star CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 60689
- Headquarters
- Cook, MN
- Established
- 1939
- Total assets, Q2 2026
- $116.0M
- Assets vs Q2 2025
- +4.8%
- Members, Q2 2026
- 6,090
- Net worth ratio, Q2 2026
- 9.38%
- Latest call report
- Q2 2026, NCUA 5300 · North Star Credit Union call report
- Asset rank in state
- 40th of 79 in Minnesota
- Routing number
- 291273510
- Branches
- 5
It has 96 more members than on June 30, 2025 (+1.6%). Its net worth ratio was up 0.57 percentage points from 8.81% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $52.5M of $90.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.00% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 9.38% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in Minnesota
Credit unions merged into North Star Credit Union
Brooks Community Federal Credit Union (2018) · Northern Pacific Duluth Federal Credit Union (2018) · Nashwauk Federal Credit Union (2017)
Frequently asked about North Star Credit Union
How big is North Star Credit Union?
At Q2 2026 it reported total assets of $116.0M and 6,090 members.
Where is North Star Credit Union headquartered?
It is headquartered in Cook, MN, United States.
When was North Star Credit Union founded?
It was established in 1939, per NCUA records.
Is North Star Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 60689): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates North Star Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is North Star Credit Union well capitalized?
Its net worth ratio was 9.38% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is North Star Credit Union's delinquency ratio?
Its delinquency ratio was 0.00% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is North Star Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 86.44% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Cook, MN 55723
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1939
- NCUA Charter #
- 60689
- RSSD ID
- 432094
- Members
- 6,090
- Potential members
- 287,004
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 9.38% | 11.43% | 19th bottom |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.10% | 0.81% | 67th above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 11.94% | 7.02% | 86th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.19% | 3.70% | 78th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 73.88% | 76.55% | 59th above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.27% | 1.24% | 47th below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.00% | 0.68% | over 90th top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.46% | 4.92% | 78th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 86.44% | 75.66% | 75th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$116.0M total assets against $110.7M; $104.3M total shares and deposits against $99.6M; $90.1M total loans against $89.6M.
$10.7M net worth against $9.4M.
9.38% net worth ratio against 8.81%.
86.44% loan-to-share ratio against 90.02%.
0.00% delinquency ratio against 0.17%.
1.10% return on assets against 0.78%; 11.94% return on equity against 9.18%.
4.19% net interest margin against 3.41%.
6,090 members against 5,994.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.38% | 1.10% | 0.00% | 86.44% |
| March 31, 2026 | 9.21% | 1.05% | 0.19% | 85.49% |
| December 31, 2025 | 8.88% | 0.46% | 0.00% | 86.80% |
| September 30, 2025 | 8.89% | 1.00% | 0.24% | 85.84% |
| June 30, 2025 | 8.81% | 0.78% | 0.17% | 90.02% |
| March 31, 2025 | 8.79% | 0.05% | — | 88.67% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.