State credit union · Cherokee, Iowa · NCUA charter #62638
North Star Community
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $159.0M
- Total assets
- 12,287
- Members
- 9.3%
- Net-worth ratio
North Star Community scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $159.0M; members 12,287; net-worth ratio 9.32%; health rank #1,859 of 4,374; healthier than 57th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,859 of 4,374 health · 2025Q4North Star Community · health 86/100 · $159.0M · 2025Q4
- CAMELS 86/100
- HEALTH 9.3%
- NW 1.11%
- DELQ 0.65%
- ROA $159.0M
- ASSETS 12,287
- MEM #1,859/4,374
- RANK H.P.C.
- PHOTO 62638
Call Report peers
North Star Community in the assets neighbourhood
North Star Community's $159.0M assets sit next to H.P.C. ($158.9M) 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.
North 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
86 Top 43% higher than 57% 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
North Star Community - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #62638: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where North Star Community diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +7.52 pp (79.72% vs 72.20%).
- Net Worth Ratio trails the peer set - 9.32% here, 12.11% peer average (-2.79 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where North Star Community sits in Iowa
- In Iowa, health place is #35 of 66 on the same NCUA-ratio sort used nationally.
- By total assets, North Star Community is #22 of 66 in Iowa.
- Iowa membership ordinal: #18 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 North Star Community's 5300 filing moved
North Star Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.6% from $159.0M (2025Q4) to $156.5M (2026Q1).
- Net-worth ratio shifted +0.08 pp (9.24% → 9.32%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.32% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 28.3 pts
- Delinquency Rate 19.2 pts
- Return on Assets 15.0 pts
- Member Growth 8.2 pts
- Loan-to-Share Ratio 15.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.32% | -2.79 pp |
| Delinquency Rate | 1.11% | +0.21 pp |
| Return on Assets | 0.65% | +0.02 pp |
| Member Growth | -0.43% | - |
| Loan-to-Share Ratio | 79.72% | +7.52 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $156.5M | - |
| 2025Q4 | $159.0M | 12,287 |
| 2024Q4 | $161.5M | 12,340 |
| 2023Q4 | $153.7M | 11,741 |
Credit Union Details
- Charter Number
- 62638
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Iowa
- City
- Cherokee
- Data Quarter
- 2025Q4
Branch Locations (3)
North Star Community operates 3 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Cherokee Main Office (Main Office) | Cherokee, IA |
| Ida Grove Branch | Ida Grove, IA |
| Sheldon Office | Sheldon, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
A look at other Iowa credit unions, ranked by how closely their peer group and asset size match this one.
North Star Community nationwide neighbourhoods
Two NCUA Call Report peer sets for North 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 ($159.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- North Star Community ranks #1,859 of 4,374 nationally on financial health and #35 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Telco Triad Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Telco Triad Community
- 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 North Star Community financially healthy?
North Star Community scores 86/100 (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 #1,859 of 4,374; by total assets it ranks #1,455 of 4,374 nationally (same basis as /rankings/largest); and #22 of 66 within Iowa. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.32% net worth ratio and a 1.11% delinquency rate.
How does North Star Community compare to other credit unions?
North Star Community scores 86/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 North Star Community?
Membership eligibility for North 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 North Star Community directly for current membership requirements and application steps.
Is my money safe at North Star Community?
Federal credit unions like North 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. North Star Community's net worth ratio of 9.32% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does North Star Community offer compared to banks?
Credit unions like North 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 North 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.