Charter 60689 · Cook, MN
North Star Credit Union
North Star Credit Union is a state-chartered credit union in Cook, Minnesota, with $116 million in assets and 6,090 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.38%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $116 million
- +4.8% in a year
- Members
- 6,090
- +1.6% in a year
- Net worth ratio
- 9.38%
- Peer median 11.65%
- Loans 60+ days late
- 0.00%
- Peer median 0.70%
- Loans outstanding
- $90.1 million
- +0.6% in a year
- Shares and deposits
- $104 million
- +4.7% in a year
- Branches
- 5
- 32 employees
- Opened
- 1939
- Minnesota charter
How North Star Credit Union compares
NCUA groups credit unions by size; North Star Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 9.38% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.00%, is lower than the group median of 0.70%. Loans grew 0.6% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 41 of 80 credit unions headquartered in Minnesota. See all Minnesota credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $116 million | 6,090 | $90.1 million | 9.38% | 0.00% |
| Q1 2026 | $113 million | 6,076 | $86.8 million | 9.21% | 0.19% |
| Q4 2025 | $112 million | 6,037 | $87.9 million | 8.88% | 0.00% |
| Q3 2025 | $115 million | 5,997 | $88.8 million | 8.89% | 0.24% |
| Q2 2025 | $111 million | 5,994 | $89.6 million | 8.81% | 0.17% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 287,004 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 5 sites for North Star Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Main Office 24 S River St (main office)
24 S River St, Cook, MN 55723 - North Star Credit Union North Woods Money Cave
10248 E Olson Rd, Cook, MN 55723 - Nashwauk Branch
401 E Platt Ave, Nashwauk, MN 55769 - Northern Pacific Duluth Branch
4918 Grand Ave, Duluth, MN 55807 - Mt. Iron
8586 Rock Ridge Dr, Mountain Iron, MN 55768
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology