Credit Union Safety Analysis
Is Northern Star Credit Union, Inc. Safe? Portsmouth, Virginia
Based on its Q2 2026 NCUA 5300 call report, Northern Star Credit Union, Inc. has a net worth ratio of 16.80%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.32%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Northern Star Credit Union, Inc.'s net worth ratio is 16.80%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 16.80%
- Delinquency ratio (60+ days) (Q2 2026): 0.32%
- Return on assets (Q2 2026): 0.54%
- Loan-to-share ratio (Q2 2026): 48.88%
Northern Star Credit Union, Inc. (NCUA charter 66956, established 1929) reported $73.7M in assets and 7,146 members for Q2 2026 from Portsmouth, Virginia. It ranks 54 of 94 credit unions in Virginia by total assets. Total assets fell 0.5% from $74.1M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 16.35% for Q1 2026; 16.28% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.35% for Q1 2026; 0.42% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.54% for Q1 2026; 4.71% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 49.51% for Q1 2026; 56.81% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $7.6M
- 1- to 4-family residential and other consumer real estate loans: $7.2M
- Unsecured credit card loans: $5.4M
- Commercial loans: $3.4M
- Used vehicle loans: $3.2M
- Non-federally guaranteed student loans: $2.9M
- New vehicle loans: $1.3M
- Other secured non-real estate loans and lines of credit: $234K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $73.7M | 16.80% | 0.32% | 0.54% | 48.88% |
| March 31, 2026 | $75.2M | 16.35% | 0.35% | 0.54% | 49.51% |
| December 31, 2025 | $73.8M | 16.52% | 0.27% | 0.20% | 53.12% |
| September 30, 2025 | $73.5M | 16.54% | 0.45% | 0.49% | 55.64% |
| June 30, 2025 | $74.1M | 16.28% | 0.42% | 4.71% | 56.81% |
| March 31, 2025 | $74.7M | 14.97% | 0.70% | 0.34% | 58.69% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Northern Star Credit Union, Inc. profile
Regulator records: NCUA credit union profile (charter 66956) · FFIEC NIC profile (RSSD 260091)
Frequently asked questions
Is Northern Star Credit Union, Inc. well capitalized?
On its Q2 2026 NCUA 5300 call report, Northern Star Credit Union, Inc.'s net worth ratio is 16.80%, above the 7% NCUA threshold for well capitalized.
Is Northern Star Credit Union, Inc. FDIC insured?
No. The FDIC insures banks, not credit unions. Northern Star Credit Union, Inc. is a federally insured credit union (NCUA charter 66956): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Northern Star Credit Union, Inc.'s key safety ratios?
For Q2 2026, Northern Star Credit Union, Inc. reports net worth 16.80%, delinquency 0.32%, ROA 0.54%, loan-to-share 48.88%.
What happens to my money if Northern Star Credit Union, Inc. fails?
For Q2 2026, Northern Star Credit Union, Inc. held $63.8M in shares and deposits for 7,146 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.