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
Call Report peers
North 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.
North Star Community vs every NCUA-scored credit union
North Star Community sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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).
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.
- One place up in Iowa, North Iowa Community (#34) ties at 86/100; one place down, AEGIS (#36) scores 85/100, 1 point lower.
How North Star Community's 5300 filing moved
North Star Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.6% from $159.0M (2025Q4) to $156.5M (2026Q1).
- Net-worth ratio shifted +0.08 pp (9.24% → 9.32%).
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
North Star Community gives up 14 points in total. Member Growth costs the most, 6.8 of its 15; Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is North Star Community financially healthy?
On its 2025Q4 NCUA 5300 filing, North Star Community scores 86/100 (Excellent), with a 9.32% net worth ratio and 1.11% of loans delinquent. It ranks #1,859 of 4,374 nationally on health and #35 of 66 in Iowa.
How does North Star Community compare to other credit unions?
North Star Community scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (79.72% vs 72.20%). Its widest shortfall is net worth ratio (9.32% vs 12.11%).
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?
North 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. North Star Community's net worth ratio of 9.32% 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.