State credit union · MOUNT PLEASANT, Iowa · NCUA charter #64878
5 Star Community
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $53.1M
- Total assets
- 6,663
- Members
- 8.2%
- Net-worth ratio
5 Star Community scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $53.1M; members 6,663; net-worth ratio 8.16%; health rank #1,357 of 4,374; healthier than 69th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,357 of 4,374 health · 2025Q45 Star Community · health 89/100 · $53.1M · 2025Q4
Call Report peers
5 Star Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
5 Star Community vs every NCUA-scored credit union
5 Star Community sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for 5 Star Community
- Largest favorable gap: Loan-to-Share Ratio at 81.17% vs peer 62.60% (+18.57 pp).
- Net Worth Ratio trails the peer set - 8.16% here, 13.62% peer average (-5.46 pp).
Where 5 Star Community sits in Iowa
- In Iowa, health place is #24 of 66 on the same NCUA-ratio sort used nationally.
- By total assets, 5 Star Community is #38 of 66 in Iowa.
- Member book place in Iowa: #31 of 66.
- One place up in Iowa, VERIDIAN (#23) ties at 89/100; one place down, Gas & Electric Employees (#25) scores 88/100, 1 point lower.
How 5 Star Community's 5300 filing moved
5 Star Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.4% from $53.1M (2025Q4) to $54.9M (2026Q1).
- Net-worth ratio shifted -0.15 pp (8.31% → 8.16%).
At 8.16%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
5 Star Community gives up 11 points in total. Net Worth Ratio costs the most, 4.6 of its 30; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 25.4 pts
- Delinquency Rate 23.2 pts
- Return on Assets 13.2 pts
- Member Growth 12.5 pts
- Loan-to-Share Ratio 14.7 pts
5 Star Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.16% | -5.46 pp |
| Delinquency Rate | 0.68% | -0.29 pp |
| Return on Assets | 0.38% | -0.28 pp |
| Member Growth | 2.90% | - |
| Loan-to-Share Ratio | 81.17% | +18.57 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
5 Star Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $54.9M | - |
| 2025Q4 | $53.1M | 6,663 |
| 2024Q4 | $50.8M | 6,475 |
| 2023Q4 | $49.1M | 6,293 |
Credit Union Details
- Charter Number
- 64878
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Iowa
- City
- MOUNT PLEASANT
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, 5 Star Community runs 3 offices in 3 different cities across 2 states.
| Office | City |
|---|---|
| 5 Star Community Credit Union (Main Office) | Mount Pleasant, IA |
| FiServ Portico | Brookfield, WI |
| West Burlington Branch | West Burlington, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
Other federally-insured credit unions in Iowa, closest first by peer group and asset size.
Cross-state Call Report peers for 5 Star Community
Similar total assets
Using this data
- 5 Star Community ranks #1,357 of 4,374 nationally on financial health and #24 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- METCO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with METCO
Frequently Asked Questions
Is 5 Star Community financially healthy?
On its 2025Q4 NCUA 5300 filing, 5 Star Community scores 89/100 (Excellent), with a 8.16% net worth ratio and 0.68% of loans delinquent. It ranks #1,357 of 4,374 nationally on health and #24 of 66 in Iowa.
How does 5 Star Community compare to other credit unions?
5 Star Community scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (81.17% vs 62.60%). Its widest shortfall is net worth ratio (8.16% vs 13.62%).
How can I join 5 Star Community?
Membership eligibility for 5 Star Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact 5 Star Community directly for current membership requirements and application steps.
Is my money safe at 5 Star Community?
5 Star Community is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. 5 Star Community's net worth ratio of 8.16% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.