Northern Star Credit Union, Inc. Portsmouth, Virginia
Northern Star Credit Union, Inc. is a state-chartered credit union headquartered in Portsmouth, VA, established in 1929 (NCUA charter 66956), and it is regulated and insured by the NCUA. At Q2 2026 it reported 7,146 members and total assets of $73.7M (down 0.5% from Q2 2025), the 54th largest of 94 credit unions headquartered in Virginia. Its net worth ratio was 16.80% at Q2 2026, in the well capitalized band.
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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
- 66956
- Headquarters
- Portsmouth, VA
- Established
- 1929
- Total assets, Q2 2026
- $73.7M
- Assets vs Q2 2025
- -0.5%
- Members, Q2 2026
- 7,146
- Net worth ratio, Q2 2026
- 16.80%
- Latest call report
- Q2 2026, NCUA 5300 · Northern Star Credit Union, Inc. call report
- Asset rank in state
- 54th of 94 in Virginia
- Routing number
- 251481957
- Branches
- 1
It has 568 fewer members than on June 30, 2025 (-7.4%). Its net worth ratio was up 0.52 percentage points from 16.28% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $7.6M of $31.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.32% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 16.80% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Virginia
Credit unions merged into Northern Star Credit Union, Inc.
Frequently asked about Northern Star Credit Union, Inc.
How big is Northern Star Credit Union, Inc.?
At Q2 2026 it reported total assets of $73.7M and 7,146 members.
Where is Northern Star Credit Union, Inc. headquartered?
It is headquartered in Portsmouth, VA, United States.
When was Northern Star Credit Union, Inc. founded?
It was established in 1929, per NCUA records.
Is Northern Star Credit Union, Inc. FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 66956): 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 Northern Star Credit Union, Inc.?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Northern Star Credit Union, Inc. well capitalized?
Its net worth ratio was 16.80% 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 Northern Star Credit Union, Inc.'s delinquency ratio?
Its delinquency ratio was 0.32% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Northern Star Credit Union, Inc.'s loan-to-share ratio?
Its loan-to-share ratio was 48.88% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Portsmouth, VA 23702
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1929
- NCUA Charter #
- 66956
- RSSD ID
- 260091
- Members
- 7,146
- Potential members
- 1,000,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 16.80% | 14.31% | 62nd above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.54% | 0.72% | 42nd below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 3.23% | 4.74% | 40th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.77% | 3.93% | 80th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 89.75% | 79.83% | 29th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.19% | 0.78% | 88th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.32% | 0.86% | 77th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.96% | 4.70% | 60th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 48.88% | 58.92% | 35th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$73.7M total assets against $74.1M; $63.8M total shares and deposits against $64.8M; $31.2M total loans against $36.8M.
$12.4M net worth against $12.1M.
16.80% net worth ratio against 16.28%.
48.88% loan-to-share ratio against 56.81%.
0.32% delinquency ratio against 0.42%.
0.54% return on assets against 4.71%; 3.23% return on equity against 28.94%.
4.77% net interest margin against 5.42%.
7,146 members against 7,714.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 16.80% | 0.54% | 0.32% | 48.88% |
| March 31, 2026 | 16.35% | 0.54% | 0.35% | 49.51% |
| December 31, 2025 | 16.52% | 0.20% | 0.27% | 53.12% |
| September 30, 2025 | 16.54% | 0.49% | 0.45% | 55.64% |
| June 30, 2025 | 16.28% | 4.71% | 0.42% | 56.81% |
| March 31, 2025 | 14.97% | 0.34% | 0.70% | 58.69% |
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.