TellerScore

North Star Community Credit Union (NCUA charter #62563) is based in Maddock, North Dakota. Its Q2 2026 call report shows $464.8M in total assets and $396.8M in member shares and deposits and 12 offices.

Based on its Q2 2026 filing, North Star Community Credit Union scores 61/100, which we describe as moderate. That is higher than only 24% of 1,341 credit unions with $100 million – $1 billion. Among 29 credit unions headquartered in North Dakota, it ranks 25th. Its strongest component is capital cushion (93/100; 14.31%), and its lowest is loan quality (4/100; 2.87%).

TellerScore · Q2 2026

Scorecard

Capital cushion93/100
Net worth ratio: 14.31%
Loan quality4/100
Loans 60+ days delinquent ÷ total loans: 2.87%
Earnings67/100
Return on assets (annualized): 1.18%
Funding & liquidity76/100
Loans ÷ shares: 84.3% · 7.3% uninsured
Problem-loan coverage71/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 14.43%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (57 → 61), mostly because the earnings component improved by 11 points.

TellerScore
576266Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202457
Q4 202460
Q1 202557
Q2 202557
Q3 202565
Q4 202563
Q1 202666
Q2 202661
Net worth ratio
7.00%10.66%14.31%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.59%
Q3 202412.59%
Q4 202412.87%
Q1 202512.58%
Q2 202513.50%
Q3 202513.70%
Q4 202513.63%
Q1 202613.85%
Q2 202614.31%
Delinquent loans (60+ days)
2.04%2.46%2.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.26%
Q3 20242.18%
Q4 20242.04%
Q1 20252.30%
Q2 20252.65%
Q3 20252.14%
Q4 20252.28%
Q1 20262.32%
Q2 20262.87%
Return on assets
0.73%0.97%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.02%
Q3 20240.75%
Q4 20240.73%
Q1 20250.73%
Q2 20250.89%
Q3 20251.09%
Q4 20250.99%
Q1 20261.21%
Q2 20261.18%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$464.8M14.31%2.87%1.18%84.3%
Q1 202666$470.6M13.85%2.32%1.21%79.5%
Q4 202563$467.6M13.63%2.28%0.99%83.7%
Q3 202565$458.7M13.70%2.14%1.09%88.6%
Q2 202557$448.2M13.50%2.65%0.89%89.1%
Q1 202557$476.9M12.58%2.30%0.73%83.0%
Q4 202460$459.3M12.87%2.04%0.73%89.4%
Q3 202457$463.6M12.59%2.18%0.75%93.1%
Q2 202458$461.6M12.59%2.26%1.02%96.5%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.31%
81st
Problem loans2.87%
2nd
Net charge-offs0.44%
42nd
Return on assets1.18%
77th
Loans to deposits84.3%
30th
Uninsured deposits7.3%
36th
Loan-loss reserves0.00%
50th
Texas ratio14.4%
5th

Similar-size credit unions in North Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Western CooperativeCredit union Williston, ND64 out of 100, Moderate$522.2M14.2%3.17%vs
Dakota West Credit UnionCredit union Watford City, ND61 out of 100, Moderate$326.5M14.2%3.14%vs
Hometown Credit UnionCredit union Kulm, ND58 out of 100, Moderate$223.1M15.6%6.81%vs
Railway Credit UnionCredit union Mandan, ND74 out of 100, Strong$211.6M12.1%0.50%vs
Aspire Community Federal Credit UnionCredit union Minot, ND87 out of 100, Very strong$181.6M15.6%0.41%vs
Community Credit UnionCredit union New Rockford, ND95 out of 100, Very strong$171.6M17.7%0.22%vs

Deposit insurance

Is my money safe at North Star Community Credit Union?

Yes. North Star Community Credit Union is a federally insured credit union (NCUA charter #62563). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 7.3% of shares and deposits ($29.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 14.31%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

12 locations

Branches

North Star Community Credit Union lists 12 offices in 10 cities. Most locations:

  • Minot, ND (3)
  • Butte, ND (1)
  • Cavalier, ND (1)
  • Devils Lake, ND (1)
  • Grafton, ND (1)
  • Maddock, ND (1)
  • Rugby, ND (1)
  • Tolna, ND (1)
  • Velva, ND (1)
  • Willow City, ND (1)

All branch addresses and map

Identity & history

Profile

Legal name
North Star Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62563
RSSD ID
473798
Primary regulator
State + NCUA
Established
1940
Headquarters
PO Box 10, Maddock, ND 58348
Employees
114

Quick answers

North Star Community Credit Union: common questions

Is North Star Community Credit Union NCUA insured?

Yes. North Star Community Credit Union is a federally insured credit union (NCUA charter #62563). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is North Star Community Credit Union's TellerScore?

61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does North Star Community Credit Union have?

12 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Maddock

InstitutionScoreAssetsCapitalProblem loansCompare
Community Credit UnionCredit union New Rockford, ND95 out of 100, Very strong$171.6M17.7%0.22%vs
First United BankBank Park River, ND78 out of 100, Strong$810.8M10.1%0.01%vs
Bank ForwardBank Fargo, ND70 out of 100, Strong$1.1B10.2%0.67%vs