TellerScore

Northern Star Credit Union, Inc. is a federally insured state-chartered credit union headquartered in Portsmouth, Virginia, in business for about 97 years. At the end of Q2 2026 it reported $73.7M in total assets and $63.8M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Northern Star Credit Union, Inc. scores 85/100, which we describe as very strong. That is higher than 77% of 2,479 credit unions with under $100 million in assets. Among 95 credit unions headquartered in Virginia, it ranks 15th. Its strongest component is capital cushion (100/100; 16.80%), and its lowest is earnings (42/100; 0.55%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.80%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.32%
Earnings42/100
Return on assets (annualized): 0.55%
Funding & liquidity100/100
Loans ÷ shares: 48.9% · 3.2% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.82%

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 fell 11 points (96 → 85), mostly because the earnings component weakened by 58 points.

TellerScore
808896Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202483
Q4 202483
Q1 202580
Q2 202596
Q3 202595
Q4 202593
Q1 202685
Q2 202685
Net worth ratio
7.00%11.90%16.80%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.66%
Q3 202414.68%
Q4 202415.32%
Q1 202514.97%
Q2 202516.28%
Q3 202516.54%
Q4 202516.52%
Q1 202616.35%
Q2 202616.80%
Delinquent loans (60+ days)
0.27%0.60%0.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.93%
Q3 20240.63%
Q4 20240.64%
Q1 20250.70%
Q2 20250.42%
Q3 20250.45%
Q4 20250.27%
Q1 20260.35%
Q2 20260.32%
Return on assets
0.34%1.43%2.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.90%
Q3 20240.70%
Q4 20240.62%
Q1 20250.34%
Q2 20252.53%
Q3 20251.86%
Q4 20251.44%
Q1 20260.54%
Q2 20260.55%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$73.7M16.80%0.32%0.55%48.9%
Q1 202685$75.2M16.35%0.35%0.54%49.5%
Q4 202593$73.8M16.52%0.27%1.44%53.1%
Q3 202595$73.5M16.54%0.45%1.86%55.6%
Q2 202596$74.1M16.28%0.42%2.53%56.8%
Q1 202580$74.7M14.97%0.70%0.34%58.7%
Q4 202483$72.6M15.32%0.64%0.62%62.2%
Q3 202483$74.7M14.68%0.63%0.70%63.5%
Q2 202481$74.4M14.66%0.93%0.90%65.9%

2,479 peers · Under $100 million in assets

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 ratio16.80%
64th
Problem loans0.32%
67th
Net charge-offs0.34%
36th
Return on assets0.55%
44th
Loans to deposits48.9%
66th
Uninsured deposits3.2%
34th
Loan-loss reserves0.00%
37th
Texas ratio0.8%
69th

Similar-size credit unions in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Virginia Educators Credit UnionCredit union Newport News, VA96 out of 100, Very strong$76.3M24.2%0.43%vs
Kemba Roanoke Federal Credit UnionCredit union Salem, VA82 out of 100, Strong$76.7M16.4%0.74%vs
Rva Financial Federal Credit UnionCredit union Richmond, VA76 out of 100, Strong$82.7M12.2%1.42%vs
Credit Union of Richmond IncorporatCredit union Richmond, VA87 out of 100, Very strong$64.6M18.5%0.69%vs
Pwc Employees Federal Credit UnionCredit union Woodbridge, VA75 out of 100, Strong$86.3M14.0%1.27%vs
Front Royal Federal Credit UnionCredit union Front Royal, VA97 out of 100, Very strong$87.4M16.9%0.14%vs

Deposit insurance

Is my money safe at Northern Star Credit Union, Inc.?

Yes. Northern Star Credit Union, Inc. is a federally insured credit union (NCUA charter #66956). 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 3.2% of shares and deposits ($2.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 16.80%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Northern Star Credit Union, Inc. lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Northern Star Credit Union, Inc. reported 3 home-loan applications under HMDA (LEI 549300Y8MO6UUFA38I79): 3 originated ($25,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Northern Star Credit Union, Inc.
Type
Federally insured state-chartered credit union
NCUA charter #
66956
RSSD ID
260091
Primary regulator
State + NCUA
Established
1929
Headquarters
5100 George Washington Hwy, Portsmouth, VA 23702
Employees
21

Quick answers

Northern Star Credit Union, Inc.: common questions

Is Northern Star Credit Union, Inc. NCUA insured?

Yes. Northern Star Credit Union, Inc. is a federally insured credit union (NCUA charter #66956). 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 Northern Star Credit Union, Inc.'s TellerScore?

85 out of 100 (Very strong), 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 Northern Star Credit Union, Inc. have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Portsmouth

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of Southside VirginiaBank Carson, VA97 out of 100, Very strong$670.3M23.4%0.08%vs
Virginia Educators Credit UnionCredit union Newport News, VA96 out of 100, Very strong$76.3M24.2%0.43%vs
Norfolk Fire Department Federal Credit UnionCredit union Norfolk, VA93 out of 100, Very strong$26.8M20.1%0.41%vs
1st Advantage Federal Credit UnionCredit union Newport News, VA90 out of 100, Very strong$1.1B16.7%0.45%vs
Beach Municipal Federal Credit UnionCredit union Virginia Beach, VA87 out of 100, Very strong$194.7M14.1%0.78%vs
Ibew Local Union 80 Federal Credit UnionCredit union Norfolk, VA84 out of 100, Strong$1.8M13.3%0.57%vs