The Morning Star
The Morning Star is a credit union based in Lame Deer, Montana, established in 2022, with $3 million in total assets serving 2,430 members. By Trust Grade it ranks 36th of 41 credit unions we track in Montana. Its net worth ratio of 8.4% trails most similarly sized credit unions (7th percentile), versus a Montana median of 11.9%. It was profitable over the most recent period, with a 0.42% return on assets. No consumer complaints against The Morning Star appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How The Morning Star compares to Montana peers
How we graded The Morning Star
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.4% capital ratio)
- Profitable (ROA 0.42%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for The Morning Star over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at The Morning Star insured?
Yes. The Morning Star is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
The Morning Star: frequently asked questions
Is The Morning Star a good credit union?
The Morning Star earns a Bankzia Trust Grade of B (80/100, "Strong"), based on a financial-strength score of 80/100 (it has no CFPB complaints on record). Well-capitalized (8.4% capital ratio); Profitable (ROA 0.42%).
Is The Morning Star NCUA-insured?
Yes. The Morning Star is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is The Morning Star?
The Morning Star holds $3 million in total assets, ranking 36th of 41 credit unions we track in Montana. It serves 2,430 members.
Does The Morning Star have CFPB complaints?
No CFPB complaints against The Morning Star appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
