# NORTH STAR COMMUNITY
Maddock, ND · NCUA charter 62563 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/north-star-community-62563

Who the members are: state charter, organized 1940, low-income designated. 22,222 members of 277,126 potential (8.0% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 81.

**Verdict on the desk:** this could be *fortress*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $470.6M |
| Members | 22,222 (1.2% YoY) |
| Full-time staff | 107 |
| Net worth | $65.2M |
| Net worth ratio | 13.8% (p81 of band) |
| ROA (annualized) | 1.21% (p81 of band) |
| Total delinquency | 2.32% (p97 of band) |
| Net charge-offs (annualized) | 0.44% (p54 of band) |
| Loans / shares | 79% (p63 of band) |
| Cash / assets | 9.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.38% (p90 of band) |
| Operating expense / assets | 3.65% (p48 of band) |
| Vehicles % of loans | 29% (p43 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 52% |
| Third-party paper % of net worth | 96% (p55 of band) |
| Vehicle delinquency | 1.79% (p91 of band) |
| Vehicle NCO | 1.31% (p80 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 10% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 218% |
| Core shares % of member funds | 33% |
| Certificates % of member funds | 40% |
| Average share balance | $8,610 |
| Participations bought / yr | $36.9M |
| Participations sold / yr | $4.1M |
| Participations outstanding | $28.2M |
| Loans outstanding per 100 members | 81% |
| Loans granted per 100 members, annualized | 42% |
| Average loan balance | $17,936 |
| Loans granted, annualized | $98.2M |

## Participation posture (from the same filings)

Bought $36.9M and sold $4.1M in the latest annualized quarter; $28.2M outstanding purchased (43.3% of net worth), $2.2M sold and retained. Sold in 7 and bought in 4 of the last 8 quarters. Shares 1.2% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, delinquency 2x band |  |
| 2016-06 | 2 | charge-offs p90 | losing money |
| 2016-09 | 1 |  | charge-offs p90 |
| 2016-12 | 0 |  | delinquency 2x band |
| 2017-03 | 2 | net worth falling, delinquency 2x band |  |
| 2017-06 | 2 | members leaving | net worth falling |
| 2017-09 | 2 | margin squeeze, 3rd-party paper>100% NW | delinquency 2x band, members leaving |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | margin squeeze |
| 2018-06 | 2 | delinquency 2x band |  |
| 2018-09 | 5 | delinquency rising, members leaving, loans>95% of shares |  |
| 2018-12 | 4 |  | loans>95% of shares |
| 2019-03 | 4 |  |  |
| 2019-06 | 4 | loans>95% of shares | delinquency rising |
| 2019-09 | 3 |  | members leaving |
| 2019-12 | 3 |  |  |
| 2020-03 | 2 |  | loans>95% of shares |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | 3rd-party paper>100% NW |
| 2020-12 | 1 |  |  |
| 2021-03 | 3 | net worth falling, margin squeeze |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | net worth falling |  |
| 2022-03 | 2 |  | margin squeeze |
| 2022-06 | 2 | 3rd-party paper>100% NW | net worth falling |
| 2022-09 | 3 | leaning on borrowings |  |
| 2022-12 | 5 | net worth falling, delinquency rising |  |
| 2023-03 | 4 |  | delinquency rising |
| 2023-06 | 5 | loans>95% of shares |  |
| 2023-09 | 4 |  | net worth falling |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 | delinquency rising | loans>95% of shares |
| 2024-12 | 4 | assets shrinking | leaning on borrowings |
| 2025-03 | 3 | members leaving | delinquency rising, assets shrinking |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | members leaving |
| 2025-12 | 1 |  | 3rd-party paper>100% NW |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-03 [Main Street lighting gets big boost - The Cherokee Chronicle Times](https://news.google.com/rss/articles/CBMihwFBVV95cUxQN19JTk1JQVg4X1BRLWVlZ2t2VDZCLW1ZZEZWU1E1RHBJc2tWQ3dyTUxkUVZaVG5nOHhnbDBYYndsWi1pWnhzZjdrZXpWWm81ejNzNURsS0dJbjZYaDVNZ3hVeV9wbjJ5eTAzb01EckxUOXZHYXdCMjFUQUxEMU96bXFNdzVPNVU?oc=5) · The Cherokee Chronicle Times
- 2025-11-14 [North Star Credit Union supports veterans and our community - KX News](https://news.google.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?oc=5) · KX News
- 2025-11-07 [VyStar, Delta Community, Robins Financial Lead the 2025 Credit Union Times Luminaries Honorees - CUTimes](https://news.google.com/rss/articles/CBMixwFBVV95cUxORFJ2SkU2cTAzMlE5ZkgtQ3Z6S0dBYmMwakJZM1oxOWxiY1MxckVNUVhLb1drUy12RUdfTGc3bUY4MEpnQW9NY0VIaW4teEdTZUNCWjlDc0UzbEdRd2VpM0JyMGFZV1JLcVN3Rm0xeXdWSE1OaXVFTG5DeUJlMWxiY0NhanFrVzA3RzVBYUZPZVppcU53b1ZnRks1azBhWTFEMUtWdngtUmZmb3BZMmpsZFZTTkxGMW1YQ0pzYmdWd1BkY0hZX0tr?oc=5) · CUTimes
- 2021-11-18 [2021 Crystal Performance Awards Show Pandemic Resilience Among Credit Unions - Fiserv](https://news.google.com/rss/articles/CBMixAFBVV95cUxNX3pLYXJNeWI0ck0wTnJNcElTbVU2ZzB1VF9zVEJ5YlFKelQ1dE84VE1nU2ZydXU0Y3ZVZENybXpFQjNSY3VKN2RHODE1OXl1dDRzUUNzQmo3N1diNWR4YnFILXlhWE1jcVJ4N3cwWGh5bWNBQkRmNVJHaWttSHYwMkIyUUFNTTlPUUFWc3RhLVRvaHF1VkQ5UFVxVGZtUWJEd0lXNUJQbXhDYnpKRXZqVnVMSnVieEM5NkowRTZXRjU2NVdW?oc=5) · Fiserv
- 2023-11-10 [North Star Community Credit Union proudly serves and honors Veterans every day - KX News](https://news.google.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?oc=5) · KX News
- 2025-07-22 [‘Micropreemie’ unit opens with help from local co-op - news.sanfordhealth.org](https://news.google.com/rss/articles/CBMilwFBVV95cUxQN256RG5JYUszRHVBbmZ1eDdkT0ZxRmFNdVY1S0h6X25Ia1FmWjFteWNILVQyMnZWY1kxY0xBalduenNsSThyd2FFSXViLWFMSmxXR09xNmhJYTEzTGtMcHhhaWRMV0JFOWhUY0xqZ0xudU9kRFQ4bmlZc1BoalBTQjI2ZzQxRnFoU3JZamdodm5CZkhQVUtn?oc=5) · news.sanfordhealth.org
- 2024-05-28 [New board installed at Dakota Credit Union Association - Grand Forks Herald](https://news.google.com/rss/articles/CBMipwFBVV95cUxPNWtia09kVWlHcmw5Wi1Nd0VjYlAzZU14RDVMTnZhN2swZXQ3cXJtOGw3c1BFclRKRkE2ZWI2S0JRUHFZRkxXc3E3cEMtNEc2aDBLMG12ai1TOXpfa0J4RUgyZlYwMTktSVp0THpScFNzeFRDVFF5SWdiM3NqRy02anpLb01vWmZlUzBNSzkyb1o3TzlMZTMza2RhdXEtN2JVZFlJTi1WUQ?oc=5) · Grand Forks Herald
- 2018-06-14 [States honor excellence in marketing, community impact and more - americanbanker.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxNOWpFTUZUZ09VNWwxYzRlT1ZwcUtjbUFkZU50cjlwNGFYMnNQb0RxMEFRNVF0SFh6dGNsSF9OTmhpdkhNbWhOa1o0dGpnd29aMzVMZWt1T0J2dkh4RnNuTW1SQk5ycEVCdGJNQUlVM3I3aEUtUFpicTl2VTNfNDhrN1pmZEFSZG9UcFV4S3NEYi1XbWJNYkQ1eGZsaDF6ZGJqeTVpT3hZU3lRNE9EdFl6Tw?oc=5) · americanbanker.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62563 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/35.json (key "62563", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=62563
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide