Credit Union Safety Analysis
Is 5 Star Community Credit Union Safe? Mount Pleasant, Iowa
Based on its Q2 2026 NCUA 5300 call report, 5 Star Community Credit Union has a net worth ratio of 8.35%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.79%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, 5 Star Community Credit Union's net worth ratio is 8.35%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.35%
- Delinquency ratio (60+ days) (Q2 2026): 0.79%
- Return on assets (Q2 2026): 0.50%
- Loan-to-share ratio (Q2 2026): 78.31%
5 Star Community Credit Union (NCUA charter 64878, established 1950) reported $54.5M in assets and 6,752 members for Q2 2026 from Mount Pleasant, Iowa. It ranks 39 of 65 credit unions in Iowa by total assets. Total assets grew 7.7% from $50.6M on June 30, 2025. It has 180 more members than on June 30, 2025 (+2.7%). Its net worth ratio was down 0.07 percentage points from 8.42% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $18.9M of $38.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.79% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 8.16% for Q1 2026; 8.42% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.72% for Q1 2026; 0.95% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.53% for Q1 2026; 0.72% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 78.98% for Q1 2026; 81.99% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $18.9M
- Used vehicle loans: $11.0M
- Other secured non-real estate loans and lines of credit: $3.2M
- New vehicle loans: $2.9M
- Commercial loans: $2.2M
- Other unsecured loans and lines of credit: $574K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $54.5M | 8.35% | 0.79% | 0.50% | 78.31% |
| March 31, 2026 | $54.9M | 8.16% | 0.72% | 0.53% | 78.98% |
| December 31, 2025 | $53.1M | 8.31% | 0.68% | 0.58% | 81.17% |
| September 30, 2025 | $51.5M | 8.42% | 0.83% | 0.55% | 82.90% |
| June 30, 2025 | $50.6M | 8.42% | 0.95% | 0.72% | 81.99% |
| March 31, 2025 | $52.3M | 7.97% | 0.78% | 0.36% | 77.95% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
5 Star Community Credit Union profile
Regulator records: NCUA credit union profile (charter 64878) · FFIEC NIC profile (RSSD 263494)
Frequently asked questions
Is 5 Star Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, 5 Star Community Credit Union's net worth ratio is 8.35%, above the 7% NCUA threshold for well capitalized.
Is 5 Star Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. 5 Star Community Credit Union is a federally insured credit union (NCUA charter 64878): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are 5 Star Community Credit Union's key safety ratios?
For Q2 2026, 5 Star Community Credit Union reports net worth 8.35%, delinquency 0.79%, ROA 0.50%, loan-to-share 78.31%.
What happens to my money if 5 Star Community Credit Union fails?
For Q2 2026, 5 Star Community Credit Union held $49.4M in shares and deposits for 6,752 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.