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Northern Star Credit Union, Inc.

Portsmouth, VA · Charter 66956

NCUA · 1 branch

Q2 2026

$73.7MAssets
$31.2MLoans
$63.8MShares
$12.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.55%, down 198 bps year over year; NIM at 4.74%.
  • Asset quality: problem loans at 0.32% of loans (-10 bps YoY).
  • Capital: net worth / assets of 16.80%, up 53 bps from a year ago.
  • Funding: loans stand at 48.88% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.55%-198 bps YoY

Net Interest Margin (YTD, annualized)

4.74%-56 bps YoY

Efficiency Ratio (YTD, annualized)

89.71%+3,265 bps YoY

Net Worth / Assets

16.80%+53 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.53%1.86%1.44%0.54%0.55%-198 bps
Return on Equity15.51%11.25%8.72%3.32%3.26%-1,225 bps
Net Interest Margin5.30%5.25%5.12%4.62%4.74%-56 bps
Efficiency Ratio57.06%68.17%74.78%89.67%89.71%+3,265 bps
Growth
Asset Growth (YoY)-0.47%-1.71%1.61%0.60%-0.48%0 bps
Loan Growth (YoY)-15.15%-15.07%-15.29%-16.36%-15.32%-17 bps
Share Growth (YoY)-1.63%-3.10%-0.79%-0.86%-1.60%+4 bps
Asset Quality
Delinquent Loans / Loans0.42%0.45%0.27%0.35%0.32%-10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.28%16.54%16.52%16.35%16.80%+53 bps
Net Worth / Assets16.28%16.54%16.52%16.35%16.80%+53 bps
Liquidity & Funding
Loans / Shares56.81%55.64%53.12%49.51%48.88%-792 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps