Northern Star Credit Union, Inc.
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.5 and a net worth ratio of 16.5. A current level of 1.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.9).
Other Rating Factors:
Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.9 has resulted in Excellent (7.9) profitability. Good liquidity 5.2, driven by a liquidity ratio of 29.6 percent and a “hot money” ratio of 0.6 percent.
Asset Mix:
Consumer loans (28%), comm loans (5%), home mtgs (5%), other (63%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
5100 George Washington Highway
Portsmouth, VA 23702
Portsmouth, VA 23702
Phone Number
(757) 487-3474
NCUA Charter Number
Website
Largest Competitors
Vienna, VA
Tysons, VA
Richmond, VA
Portsmouth, VA
Portsmouth, VA