5 Star Community Credit Union

Credit UnionFISCUMount Pleasant, IA·Est. 1950·NCUA #64878Compare ⇄▤ Account brief

Total assets

$54.9M

▲ +4.9% YoY

Shares & deposits

$49.9M

▲ +4.1% YoY

Loans

$39.4M

▲ +5.5% YoY

Members

6,711

▲ +2.8% YoY

ROA (annualized)

0.53%

peers 0.60%

ROE (annualized)

6.47%

peers 4.10%

Peer comparison 2,508 credit unions with <100M in assets

Metric	This credit union	Peer median	Δ
Asset growth (YoY)	+4.9%	+1.3%	+3.6 pts
Share growth (YoY)	+4.1%	+0.7%	+3.5 pts
Loan growth (YoY)	+5.5%	-2.4%	+7.9 pts
ROA	0.53%	0.60%	-0.1 pts
ROE	6.5%	4.1%	+2.4 pts

ROA ranks in the 46th percentile of its peer group · Q1 2026

Quarter	Assets	Shares	Loans	Net worth	Net income YTD	ROA	NIM	Delinquency	Members
Q1 2026	$54.9M	$49.9M	$39.4M	$4.5M	$73K	0.53%	3.56%	0.72%	6,711
Q4 2025	$53.1M	$47.9M	$38.9M	$4.4M	$285K	0.54%	3.42%	0.68%	6,663
Q3 2025	$51.5M	$46.7M	$38.7M	$4.3M	$208K	0.54%	3.42%	0.83%	6,628
Q2 2025	$50.6M	$46.2M	$37.9M	$4.3M	$138K	0.54%	3.50%	0.95%	6,572
Q1 2025	$52.3M	$47.9M	$37.4M	$4.2M	$47K	0.36%	3.27%	0.78%	6,527
Q4 2024	$50.8M	$46.6M	$37.0M	$4.1M	$202K	0.40%	3.15%	1.20%	6,475
Q3 2024	$49.8M	$45.6M	$37.2M	$4.1M	$182K	0.49%	3.20%	1.07%	6,426
Q2 2024	$50.1M	$45.8M	$37.6M	$4.0M	$126K	0.50%	3.19%	0.53%

Efficiency worsening·Efficiency ratio 84.1%, worse 3 quarters running — Cost pressure — automation pitches resonate, discretionary spend does not

Earlier quarters (1)

Profitability

Ratio	Value	Peer median	Peer percentile
Return on assets Annualized net income ÷ assets	0.53%	0.60%	46th
Return on equity Annualized net income ÷ equity or net worth	6.5%	4.1%	67th
Net interest margin Interest income − interest expense, ÷ assets	3.56%	3.83%

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Ratio	Value	Peer median
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand	00.0%	00.0%
Loans-to-assets How much of the balance sheet is lent out	00.0%	00.0%
Securities-to-assets Investment portfolio as a share of assets	00.0%	00.0%
Cash-to-assets On-balance-sheet liquidity	00.0%	00.0%

Ratio	Value	Peer median
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans	00.0%	00.0%
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans	00.0%	00.0%
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300%	00.0%	00.0%

Ratio	Value	Trend (8q)	Peer median	Peer percentile
Loans per member Member borrowing depth	00.0%		00.0%
Deposits per member Member relationship depth	00.0%		00.0%