BlastPoint's Credit Union Scorecard
NORTHERN STAR CREDIT UNION, INC.
Charter #66956 · VA
NORTHERN STAR CREDIT UNION, INC. has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.80% above tier average
- + Total Members: Top 4.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.95% below tier average
- - Efficiency ratio 0.95% above tier (higher cost structure)
- - Member decline: -7.4% YoY
- - Indirect Auto Concentration (%): Bottom 8.2% in tier
- - Member Growth Rate: Bottom 10.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 49 that size in Virginia.
- Shares and deposits -1.6% year over year ($63.8M in shares and deposits).
- Membership: 7,146 members, -7.4% vs a year ago.
- Delinquency rate 0.32%.
- Return on assets 0.54%.
- Efficiency ratio 89.71% vs a 88.77% peer average.
- Loan-to-share ratio 48.88% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,146
-7.4% YoY-1.1% QoQ
|
+4.6K |
2,585
-1.7% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
Top 4.7% in tier |
| Assets |
$73.7M
-0.5% YoY-1.9% QoQ
|
+$43.4M |
$30.3M
+1.5% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
Top 10.9% in tier |
| Loans |
$31.2M
-15.3% YoY-3.2% QoQ
|
+$15.7M |
$15.5M
-1.7% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
84% |
| Deposits |
$63.8M
-1.6% YoY-1.9% QoQ
|
+$38.0M |
$25.8M
+1.1% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
Top 10.3% in tier |
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| ROA |
0.5%
-78.4% YoY-0.0% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
34% |
| NIM |
4.7%
-11.0% YoY+1.5% QoQ
|
+0.8% |
3.9%
+0.9% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
82% |
| Efficiency Ratio |
89.7%
+57.2% YoY+0.0% QoQ
|
+0.9% |
88.8%
-6.9% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
71% |
| Delinquency Rate |
0.3%
-23.2% YoY-8.5% QoQ
|
-1.2 |
1.5%
+2.1% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
33% |
| Loan To Share |
48.9%
-13.9% YoY-1.3% QoQ
|
-10.0% |
58.9%
-3.1% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
34% |
| AMR |
$13,283
+0.9% YoY-1.3% QoQ
|
$-2K |
$14,963
-6.8% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
46% |
| CD Concentration |
2.3%
-22.3% YoY-4.7% QoQ
|
-22.2% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % |
11.0%
-42.0% YoY-13.6% QoQ
|
-2.6% | 13.6% | 9.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)