Civic Intelligence

Northern Star Credit Union

EIN 54-0316051 • 501(c)14 • Portsmouth, VA

View Organization Page

Profile

The credit union is a member owned financial cooperative that provides financial services to it's members in the form of checking and savings accounts, loans, and certain other financial services.

5100 George Washington HwyPortsmouth, VA 23702

www.nstarcu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

71st percentile

0.90x

Higher debt load relative to assets than 71% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

18th percentile

12.93x

Higher debt load relative to revenue than 18% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

40th percentile

8.9%

Higher net margin than 40% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

7th percentile

-6.2%

Faster asset growth than 7% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2021 to 2024

Revenue Growth

12th percentile

-0.1%

Faster revenue growth than 12% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2021 to 2024

Balance Sheet
Liabilities / Assets71st percentile

Assets

Down

$72,589,637

Down $3,487,108 (-4.6%) from 2023

Liabilities

Down

$65,463,555

Down $4,145,453 (-6.0%) from 2023

Net Assets

Up

$7,126,082

Up $658,345 (+10%) from 2023

Operations
Liabilities / Revenue18th percentileNet Margin40th percentile

Revenue

Down

$5,062,781

Down $368,023 (-6.8%) from 2023

Expenses

Down

$4,610,915

Down $1,294,866 (-22%) from 2023

Net Income

Up

$451,866

Up $926,843 (+195%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth7th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$100M$50M$0Assets 2010: $87,081,808Liabilities 2010: $78,959,865Net Assets 2010: $8,121,9432010Assets 2011: $79,704,467Liabilities 2011: $70,870,121Net Assets 2011: $8,834,3462011Assets 2012: $80,262,528Liabilities 2012: $70,998,370Net Assets 2012: $9,264,1582012Assets 2013: $80,898,974Liabilities 2013: $72,506,915Net Assets 2013: $8,392,0592013Assets 2015: $83,997,861Liabilities 2015: $73,817,728Net Assets 2015: $10,180,1332015Assets 2016: $84,213,882Liabilities 2016: $74,268,032Net Assets 2016: $9,945,8502016Assets 2017: $85,205,975Liabilities 2017: $74,770,114Net Assets 2017: $10,435,8612017Assets 2018: $88,709,976Liabilities 2018: $78,475,197Net Assets 2018: $10,234,7792018Assets 2019: $83,264,715Liabilities 2019: $73,368,329Net Assets 2019: $9,896,3862019Assets 2020: $91,167,856Liabilities 2020: $80,615,485Net Assets 2020: $10,552,3712020Assets 2021: $88,070,820Liabilities 2021: $78,070,259Net Assets 2021: $10,000,5612021Assets 2022: $81,827,055Liabilities 2022: $75,842,070Net Assets 2022: $5,984,9852022Assets 2023: $76,076,745Liabilities 2023: $69,609,008Net Assets 2023: $6,467,7372023Assets 2024: $72,589,637Liabilities 2024: $65,463,555Net Assets 2024: $7,126,0822024

Highlighted filing

2024

Assets$72,589,637
Liabilities$65,463,555
Net Assets$7,126,082
Open 2024 Filing

Operations Trend

Revenue Growth12th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$8.0M$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $7,213,6732010Expenses 2011: $5,661,5282011Expenses 2012: $5,690,0692012Revenue 2013: $5,149,821Expenses 2013: $4,837,274Net Income 2013: $312,5472013Revenue 2015: $5,083,179Expenses 2015: $4,693,601Net Income 2015: $389,5782015Revenue 2016: $5,297,152Expenses 2016: $4,985,155Net Income 2016: $311,9972016Revenue 2017: $5,028,388Expenses 2017: $4,739,848Net Income 2017: $288,5402017Revenue 2018: $5,493,597Expenses 2018: $5,222,346Net Income 2018: $271,2512018Revenue 2019: $5,405,240Expenses 2019: $6,002,682Net Income 2019: -$597,4422019Revenue 2020: $4,728,563Expenses 2020: $4,569,242Net Income 2020: $159,3212020Revenue 2021: $5,076,665Expenses 2021: $4,732,508Net Income 2021: $344,1572021Revenue 2022: $5,112,971Expenses 2022: $4,875,606Net Income 2022: $237,3652022Revenue 2023: $5,430,804Expenses 2023: $5,905,781Net Income 2023: -$474,9772023Revenue 2024: $5,062,781Expenses 2024: $4,610,915Net Income 2024: $451,8662024

Highlighted filing

2024

Revenue$5,062,781
Expenses$4,610,915
Net Income$451,866
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$72,589,637
Liabilities
$65,463,555
Net assets
$7,126,082
Revenue
$5,062,781
Expenses
$4,610,915
Net income
$451,866
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$72.6$65.5$7.13$5.06$4.61$0.45
2023Detailed filing. Detailed filing data is available for this year.$76.1$69.6$6.47$5.43$5.91$0.47
2022Detailed filing. Detailed filing data is available for this year.$81.8$75.8$5.98$5.11$4.88$0.24
2021Detailed filing. Detailed filing data is available for this year.$88.1$78.1$10.0$5.08$4.73$0.34
2020Detailed filing. Detailed filing data is available for this year.$91.2$80.6$10.6$4.73$4.57$0.16
2019Detailed filing. Detailed filing data is available for this year.$83.3$73.4$9.90$5.41$6.00$0.60
2018Detailed filing. Detailed filing data is available for this year.$88.7$78.5$10.2$5.49$5.22$0.27
2017Detailed filing. Detailed filing data is available for this year.$85.2$74.8$10.4$5.03$4.74$0.29
2016Detailed filing. Detailed filing data is available for this year.$84.2$74.3$9.95$5.30$4.99$0.31
2015Detailed filing. Detailed filing data is available for this year.$84.0$73.8$10.2$5.08$4.69$0.39
2013Detailed filing. Detailed filing data is available for this year.$80.9$72.5$8.39$5.15$4.84$0.31
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$80.3$71.0$9.26$5.69
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$79.7$70.9$8.83$5.66
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$87.1$79.0$8.12$7.21
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jul 1, 2025
Return Version
2024v5.0
Gross Receipts
$5,062,781
Mission and Program Overview

Mission

The credit union is a member owned financial cooperative that provides financial services to it's members in the form of checking and savings accounts, loans, and certain other financial services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$46,127,380$39,319,967▼ $6,807,413
Investments in Publicly Traded Securities$17,520,612$18,585,617▲ $1,065,005
Savings and Temporary Cash Investments$8,944,935$10,816,991▲ $1,872,056
Rtn Earn Endowment Incm Other Fnds$6,467,737$7,126,082▲ $658,345
Cash and Non-Interest-Bearing Accounts$847,202$1,210,134▲ $362,932
Land, Buildings, and Equipment, Net$803,821$852,953▲ $49,132
Prepaid Expenses and Deferred Charges$269,846$368,150▲ $98,304
Accounts Receivable$47,071$49,994▲ $2,923
Total Assets$76,076,745$72,589,637▼ $3,487,108
Other Assets Total$1,515,878$1,385,831▼ $130,047
Liabilities
Other Liabilities$68,956,735$64,270,154▼ $4,686,581
Accounts Payable and Accrued Expenses$652,273$1,193,401▲ $541,128
Total Liabilities$69,609,008$65,463,555▼ $4,145,453
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,467,737$7,126,082▲ $658,345
Total Liabilities and Net Assets / Fund Balance$76,076,745$72,589,637▼ $3,487,108

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$466,362$1,997,485$2,463,847
Equipment$297,398$1,022,824$1,320,222
Land$89,193-$89,193
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jennifer RileyPres/CEO/treFT$181,036$6,237$187,273
Jennifer RileyPres/CEO/treasurer-$181,036$6,237$187,273

Board Members and Trustees

NameTitle
Charles R ParkerBoard Chairm
Timothy JohnsonBoard Secret
Bernard G MatthewsBoard Vice C
Chase GoodwinDirector
Craig HillDirector
Felicia ScalesDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,001,303
Investment Income
$1,061,478
Other Revenue
$0
Change in Net Assets
$451,866
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,598,916
Salaries, Compensation, and Employee Benefits$2,011,999
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$867,591
Other Employee Benefits---$862,404
Other Expenses---$216,477
Fees for Services Other---$183,007
Current Officers, Directors, Trustees, and Key Employees---$181,036
Office Expenses---$164,606
Interest---$159,942
Depreciation Depletion---$147,969
Payroll Taxes---$100,968
Occupancy---$68,631
Insurance---$57,940
Fees for Services Accounting---$52,000
Information Technology---$34,366
Advertising---$27,574
Travel---$25,764
Fees for Services Legal---$2,982
All Other Expenses---$-27,944
Total Functional Expenses$0$0$0$4,610,915
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' DEPOSITS$64,270,154
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The credit union is organized with members.”

Form 990, Page 6, Part VI, Line 7A

“The credit union members elect the board of directors.”

Form 990, Page 6, Part VI, Line 11B

“The ceo and vice president review the form 990 before it is filed.”

Form 990, Page 6, Part VI, Line 12C

“The conflict of interest policy is reviewed annually with the board of directors. Also the board does a monthly review of all new accounts and loans.”

Form 990, Page 6, Part VI, Line 15A

“Executive management salaries are reviewed and approved by the board of directors.”

Form 990, Page 6, Part VI, Line 15B

“SEE 15A”

Form 990, Page 6, Part VI, Line 19

“Finacial statements are made available to the public through ncua.”

Filing and Contact Details

Filer

Filer Name
Northern Star Credit Union
EIN
54-0316051
Phone
7574873474
Address
5100 GEORGE WASHINGTON HWY, PORTSMOUTH, VA 23702

Signing Officer

Name
Jennifer Riley
Title
Pres/CEO/treasurer
Phone
7574873474
Signed
2025-07-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jennifer Riley
Formed
1928
Legal Domicile
Va
Voting Board Members
7
Independent Board Members
6
Employees
26
Volunteers
10

Preparer

Firm
A Rohm Smith & Company
Address
11832 ROCK LANDING DR STE 101, NEWPORT NEWS, VA 23606-4277
Preparer
Theresa Rohm CPA
Phone
7572239602
Supplemental Narrative

Additional Explanations

Form 990

“Form 990, part ix, line 24e dues & subscriptions 92,193 state examination fee 14,571 atm expense 16,276 service center expense 17,214 provision for loan losses -234,993 miscellaneous 66,795”

Form 990, Page 1, Part I, Line 6

“Volunteers serve on the board of directors and the supervisory committee.”

Raw XML Appendix349 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1251089
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2226642
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3210855
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IRS990/PYInvestmentIncomeAmt0955641
IRS990/PYOtherExpensesAmt04245540
IRS990/PYOtherRevenueAmt0204502
IRS990/PYProgramServiceRevenueAmt04270661
IRS990/PYRevenuesLessExpensesAmt0-474977
IRS990/PYSalariesCompEmpBnftPaidAmt01660241
IRS990/PYTotalExpensesAmt05905781
IRS990/PYTotalRevenueAmt05430804
IRS990/ReconcilationRevenueExpnssAmt0451866
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IRS990/ReportLandBuildingEquipmentInd0true
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IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt04001303
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt06467737
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt07126082
IRS990/SavingsAndTempCashInvstGrp/BOYAmt08944935
IRS990/SavingsAndTempCashInvstGrp/EOYAmt010816991
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IRS990ScheduleD/BuildingsGrp/BookValueAmt0466362
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01997485
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02463847
IRS990ScheduleD/EquipmentGrp/BookValueAmt0297398
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01022824
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01320222
IRS990ScheduleD/LandGrp/BookValueAmt089193
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt089193
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt064270154
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0852953
IRS990ScheduleD/TotalLiabilityAmt064270154
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JENNIFER RILEY
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRES/CEO/TREASURER
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0FORM 990, PART IX, LINE 24E DUES & SUBSCRIPTIONS 92,193 STATE EXAMINATION FEE 14,571 ATM EXPENSE 16,276 SERVICE CENTER EXPENSE 17,214 PROVISION FOR LOAN LOSSES -234,993 MISCELLANEOUS 66,795
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1VOLUNTEERS SERVE ON THE BOARD OF DIRECTORS AND THE SUPERVISORY COMMITTEE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION IS ORGANIZED WITH MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CREDIT UNION MEMBERS ELECT THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CEO AND VICE PRESIDENT REVIEW THE FORM 990 BEFORE IT IS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CONFLICT OF INTEREST POLICY IS REVIEWED ANNUALLY WITH THE BOARD OF DIRECTORS. ALSO THE BOARD DOES A MONTHLY REVIEW OF ALL NEW ACCOUNTS AND LOANS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6EXECUTIVE MANAGEMENT SALARIES ARE REVIEWED AND APPROVED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7SEE 15A
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8FINACIAL STATEMENTS ARE MADE AVAILABLE TO THE PUBLIC THROUGH NCUA.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsEOYAmt072589637
IRS990/TotalAssetsGrp/BOYAmt076076745
IRS990/TotalAssetsGrp/EOYAmt072589637
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt026
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt04610915
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt069609008
IRS990/TotalLiabilitiesEOYAmt065463555
IRS990/TotalLiabilitiesGrp/BOYAmt069609008
IRS990/TotalLiabilitiesGrp/EOYAmt065463555
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt06467737
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt07126082
IRS990/TotalOtherCompensationAmt06237
IRS990/TotalProgramServiceExpensesAmt04610915
IRS990/TotalProgramServiceRevenueAmt04001303
IRS990/TotalReportableCompFromOrgAmt0181036
IRS990/TotalRevenueGrp/ExclusionAmt01061478
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt04001303
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt05062781
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt076076745
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt072589637
IRS990/TravelGrp/TotalAmt025764
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt05100 GEORGE WASHINGTON HWY
IRS990/USAddress/CityNm0PORTSMOUTH
IRS990/USAddress/StateAbbreviationCd0VA
IRS990/USAddress/ZIPCd023702
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0WWW.NSTARCU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0JENNIFER RILEY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRES/CEO/TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum07574873474
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-07-01
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0NORTHERN STAR CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0NORT
ReturnHeader/Filer/EIN0540316051
ReturnHeader/Filer/PhoneNum07574873474
ReturnHeader/Filer/USAddress/AddressLine1Txt05100 GEORGE WASHINGTON HWY
ReturnHeader/Filer/USAddress/CityNm0PORTSMOUTH
ReturnHeader/Filer/USAddress/StateAbbreviationCd0VA
ReturnHeader/Filer/USAddress/ZIPCd023702
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0813356257
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0A ROHM SMITH & COMPANY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt011832 ROCK LANDING DR STE 101
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0NEWPORT NEWS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0VA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0236064277
ReturnHeader/PreparerPersonGrp/PhoneNum07572239602
ReturnHeader/PreparerPersonGrp/PreparationDt02025-07-01
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0THERESA ROHM CPA
ReturnHeader/ReturnTs02025-08-07T10:02:32-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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