Northern Sts Pwr Company Emp Federal Credit Union
Grand Forks, ND·Charter 147·cu:147·Credit union RBC / net worth
- #29 of 29Total assets in North Dakota
- 110members
- Top 5%Efficiency vs. peers
- Top 6%Loan quality vs. peers
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Northern Sts Pwr Company Emp Federal Credit Union
3 of 20 FORFI signals stand out against 2478 similar credit unions, based on NCUA data for the quarter.
Fee and other noninterest income among the lowest of similar credit unionsWorth a look: Earnings 2nd quarter0.00%peers 0.56%-56 bps
Northern Sts Pwr Company Emp Federal Credit Union's noninterest income relative to average assets was 0.00%, compared with a median of 0.56% among 2477 similar credit unions: lower than 97% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noninterest income relative to average assets | ||
| 0.00% | 0.56% | -56 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Northern Sts Pwr Company Emp Federal Credit Union itself is left out of every peer median and percentile. How signals work
Share and deposit costs among the highest of similar credit unionsWorth a look: Funding 2nd quarter2.53%peers 0.91%+162 bps
Northern Sts Pwr Company Emp Federal Credit Union's cost of all shares and deposits was 2.53%, compared with a median of 0.91% among 2475 similar credit unions: higher than 95% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all shares and deposits | ||
| 2.53% | 0.91% | +162 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Northern Sts Pwr Company Emp Federal Credit Union itself is left out of every peer median and percentile. How signals work
Where Northern Sts Pwr Company Emp Federal Credit Union differs most from peers
Efficiency ratio among the lowest of similar credit unionsContext: Efficiency48.4%peers 79.8%-31.4 pp
Northern Sts Pwr Company Emp Federal Credit Union's efficiency ratio was 48.4%, compared with a median of 79.8% among 2461 similar credit unions: lower than 95% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 48.4% | 79.8% | -31.4 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Northern Sts Pwr Company Emp Federal Credit Union itself is left out of every peer median and percentile. How signals work
1 more observation
- Net interest margin narrowing while the peer median widensEarnings
Key facts
- Northern Sts Pwr Company Emp Federal Credit Union is a federally chartered credit union headquartered in Grand Forks, North Dakota. It reported $1.5 million in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $1.3 million, down 12.9% from a year earlier, and loans totaled $982,491, down 17.2%.
- Its net interest margin on average assets was 1.57% and its annualized return on assets was 0.81% for the quarter.
- Its cost of all shares and deposits was 2.53%, compared with a median of 0.91% among 2475 similar credit unions with under $100 million in assets.
- It served 110 members, down 9.1% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Northern Sts Pwr Company Emp Federal Credit Union's own data, FORFI would look at: Which relationships and products drive the change in earnings, and where pricing has drifted.
Analysis workspaces
Sources and identifiers
- Institution
- Northern Sts Pwr Company Emp Federal Credit Union · Credit union
- NCUA charter
- 147
- Reporting period
- Peer group
- 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Northern Sts Pwr Company Emp Federal Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $2.98K | |
| $14.05K | |
| $8.28K | |
| $5.77K | |
| $0 | |
| $2.79K | |
| $0 | |
| $0 | |
| 0.81% | |
| 1.57% | |
| 48.39% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.