Northern Star Credit Union, Inc.
Portsmouth, VA · Charter 66956 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$73.7MAssets
$31.2MLoans
$63.8MShares
$12.4MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 86% of credit unions under $1B in assets (rank 234 of 1683).
- Widest gap: efficiency ratio trails 82% of credit unions under $1B in assets (rank 1373 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.55%
Rank 1,075 of 1,683
Net Interest Margin
4.74%
Rank 234 of 1,683
Efficiency Ratio
89.70%
Rank 1,373 of 1,682
Equity / Assets
16.80%
Rank 401 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.55% | 0.35% | 0.74% | 1.18% | Beats 36% | 1,075 / 1,683 | |
| Return on Equity | 3.26% | 2.67% | 5.89% | 8.74% | Beats 30% | 1,178 / 1,681 | |
| Net Interest Margin | 4.74% | 3.31% | 3.82% | 4.32% | Beats 86% | 234 / 1,683 | |
| Efficiency Ratio | 89.70% | 68.91% | 78.20% | 86.93% | Beats 18% | 1,373 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.32% | 0.26% | 0.65% | 1.29% | Beats 71% | 492 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.80% | 10.44% | 12.89% | 16.53% | Beats 76% | 401 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.80% | 10.44% | 12.89% | 16.53% | Beats 76% | 401 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 48.88% | 52.61% | 69.38% | 83.50% | 20th pctl | 1,340 / 1,683 | |
| Loans / Assets | 42.28% | 44.71% | 59.18% | 70.72% | 22nd pctl | 1,315 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |