# NORTHSTAR
Warrenville, IL · NCUA charter 68214 · asset band $200-500M · latest filing 2020-12 · stopped filing after 2020-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/northstar-68214

Who the members are: state charter, organized 1971. 16,014 members of 3,100,000 potential (0.5% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $211.8M |
| Members | 16,014 (5.0% YoY) |
| Full-time staff | 43 |
| Net worth | $23.3M |
| Net worth ratio | 11.0% (p68 of band) |
| ROA (annualized) | 0.82% (p82 of band) |
| Total delinquency | 0.84% (p80 of band) |
| Net charge-offs (annualized) | 0.79% (p92 of band) |
| Loans / shares | 86% (p87 of band) |
| Cash / assets | 12.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.88% (p97 of band) |
| Operating expense / assets | 3.58% (p66 of band) |
| Vehicles % of loans | 52% (p79 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 72% |
| Third-party paper % of net worth | 259% (p85 of band) |
| Vehicle delinquency | 0.40% (p52 of band) |
| Vehicle NCO | 0.52% (p60 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 29% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 45% |
| Core shares % of member funds | 44% |
| Certificates % of member funds | 16% |
| Average share balance | $6,016 |
| Participations bought / yr | $871,256 |
| Participations sold / yr | $2.5M |
| Participations outstanding | – |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 24% |
| Average loan balance | $18,515 |
| Loans granted, annualized | $133.9M |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | delinquency rising |  |
| 2017-09 | 2 | delinquency 2x band | delinquency rising |
| 2017-12 | 3 | delinquency rising |  |
| 2018-03 | 1 |  | delinquency 2x band, delinquency rising |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | loans>95% of shares |  |
| 2018-12 | 1 |  | loans>95% of shares |
| 2019-03 | 3 | delinquency 2x band, charge-offs p90 |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 2 |  | delinquency 2x band |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | charge-offs p90 |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 2 | charge-offs p90 |  |

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

- 2020-10-21 [NorthStar Credit Union and NuMark Credit Union Announce Merger Approval - 1340 WJOL](https://news.google.com/rss/articles/CBMimAFBVV95cUxNVUxYMlByZnd4aFpoY2I0VThub1BmSjNvYW1qRTBoRmNkMDVqZnF2Q2tKdlo0eGVvVGhmRmZ1cU5Va0IzYWViQnZzRGdEZ3RwSlktUXp0RGdLeVpaa3VDbEVJS1M0dnZPSW9kODh2REV3MHNYaGFNdVkyR3FCcGhoSnE1YjdscTMtRDZ0QlpIbmhXc2plV2NOdw?oc=5) · 1340 WJOL
- 2024-01-17 [Google Wallet adds support for over 40 more banks including Venmo - 9to5Google](https://news.google.com/rss/articles/CBMiekFVX3lxTFBFRngyX0h6VU1CeWUyekdkbkZZZVNmUXJCOTRqb0w5T1lDR3VVTV9uZi00T3VzTXh5VVZraEJhaGFZTFU5T1F0M1RDSlU3RkVMUlFVNF95Mk90WVk2bXQybE9YSjg3dEdNWVB2dnZtZnRFSzRlUE95cnp3?oc=5) · 9to5Google
- 2024-06-20 [Paul Hruskoci Obituary - Naperville, IL (1926-2021) - Chicago Tribune](https://news.google.com/rss/articles/CBMihAFBVV95cUxNZ25nZHFjajVucVlESmMwamlPU0FfYmFHUllDempZQzF4Uks0UEtkU0o4YnVVMlR4cHpNR1p6UmM4czZDcUQ1VDRFdVZWd1hkRzdIcVhvc1ZSMzJ5MFJsZDY1a3o0QnBZWERSUTQwTXNRYlhRQ3ozSFMtYnZsX2JWcEVLM0k?oc=5) · Chicago Tribune
- 2021-07-07 [Robert DePaul Obituary (1936 - 2021) - Naperville, IL - Aurora Beacon News - Legacy obituary](https://news.google.com/rss/articles/CBMimwFBVV95cUxOd3FSYkFGRTIxNzItYjlUY1JmYVdfYjhyeXNraXp4N3RhYkJKdlZDenBPVGxiMzYzRy1NTzRsY2ZHU3JSQzVzWDVTTmZVdVRpWTZfZTRsUUdvaFczbWFXeUZaM1FuLTRrcjFtdkI2dnVFamc3dXlmZl9xU3BiUnFpNmY1bzNXTXB5UzVvU25vMnh2WS1ZdGdqa2Q4QQ?oc=5) · Legacy obituary
- 2024-01-21 [Google Wallet Expands: 44 New Banks Now Supported - Gizchina.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPWkpLVFYtZW1zXzVFbVEyNVdRazZxdGcta1M1c3psdFZBNV9fUnZWeFFTXzZKc0JQVzhNYkktLXdEdWlGMlBJNk1pWTVOWVJLbTFWclVrTGpjUWNQellBODVYUHdjbFZCYlR4Nk0tSnBxZEVUdC1ZaC1TeHJiYlJRRFRublk?oc=5) · Gizchina.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68214 (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/54.json (key "68214", 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=68214
- 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