Northern Star Credit Union, Inc.
Major Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) based on a net capital to total assets of 10.4 and a net worth ratio of 0.0. A current level of 3.0 percent of nonperforming loans to core capital combined with 5.1 percent from a year earlier contributes to the Excellent asset quality (8.0).
Other Rating Factors:
Fair liquidity 4.8, driven by a liquidity ratio of 24.2 percent and a “hot money” ratio of 0.6 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (31%), home mtgs (5%), other (64%)
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