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
- HEALTH 89/100
- NW 8.2%
- DELQ 0.68%
- ROA 0.38%
- ASSETS $53.1M
- MEM 6,663
- RANK #1,357/4,374
- PHOTO Post Office Employees'
- BOOK 64878
Call Report peers
5 Star Community in the assets neighbourhood
5 Star Community's $53.1M assets sit next to Post Office Employees' ($53.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
5 Star Community - Share Insurance Coverage
Charter #64878's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for IA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How 5 Star Community's 5300 filing moved
5 Star Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.4% from $53.1M (2025Q4) to $54.9M (2026Q1).
- Net-worth ratio shifted -0.15 pp (8.31% → 8.16%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Two NCUA Call Report peer sets for 5 Star Community, both outside Iowa so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($53.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Iowa credit unions compare overall before assuming this one is typical. Iowa state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is 5 Star Community financially healthy?
5 Star Community scores 89/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,357 of 4,374; by total assets it ranks #2,361 of 4,374 nationally (same basis as /rankings/largest); and #38 of 66 within Iowa. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.16% net worth ratio and a 0.68% delinquency rate.
How does 5 Star Community compare to other credit unions?
5 Star Community scores 89/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like 5 Star Community are 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."
What rates does 5 Star Community offer compared to banks?
Credit unions like 5 Star Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact 5 Star Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.