North Star Community Credit Union
Total assets
$156.5M
▼ -3.8% YoY
Shares & deposits
$140.6M
▼ -4.0% YoY
Loans
$113.5M
▼ -3.8% YoY
Members
12,254
▼ -0.9% YoY
ROA (annualized)
-0.25%
peers 0.69%
ROE (annualized)
-2.65%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.8% | +3.9% | -7.7 pts |
| Share growth (YoY) | -4.0% | +3.3% | -7.3 pts |
| Loan growth (YoY) | -3.8% | +2.9% | -6.7 pts |
| ROA | -0.25% | 0.69% | -0.9 pts |
| ROE | -2.6% | 5.9% | -8.6 pts |
ROA ranks in the 5th percentile of its peer group · Q1 2026
Profile
- Established
- 1972
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- Po Box 556, Cherokee, IA, 51012
- NCUA charter #
- 62638
- RSSD ID
- 794390
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $156.5M | $140.6M | $113.5M | $14.6M | $-97K | -0.25% | 3.88% | 0.77% | 12,254 |
| Q4 2025 | $159.0M | $143.1M | $114.1M | $14.7M | $50K | 0.03% | 3.80% | 1.11% | 12,287 |
| Q3 2025 | $158.6M | $142.4M | $115.6M | $14.7M | $78K | 0.07% | 3.78% | 1.46% | 12,298 |
| Q2 2025 | $161.7M | $145.5M | $116.5M | $14.7M | $111K | 0.14% | 3.65% | 1.16% | 12,364 |
| Q1 2025 | $162.6M | $146.4M | $118.0M | $14.7M | $58K | 0.14% | 3.55% | 1.25% | 12,370 |
| Q4 2024 | $161.5M | $145.5M | $119.1M | $14.6M | $1.0M | 0.64% | 3.58% | 1.25% | 12,340 |
| Q3 2024 | $157.7M | $141.8M | $119.8M | $14.3M | $738K | 0.62% | 3.65% | 1.16% | 12,254 |
| Q2 2024 | $153.0M | $136.9M | $117.3M | $14.2M | $622K | 0.81% | 3.75% | 1.09% | 12,065 |
Loan mix (Q1 2026): real estate $18.7M · commercial $4.1M · consumer $84.4M · securities $23.8M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.25% | 0.69% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -2.6% | 5.9% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.62% | 68th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.2% | 78.7% | 44th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
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% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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