Credit Union Safety Analysis
Is North Iowa Community Credit Union Safe? Mason City, Iowa
Based on its Q2 2026 NCUA 5300 call report, North Iowa Community Credit Union has a net worth ratio of 9.75%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.00%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of North Iowa Community Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, North Iowa Community Credit Union's net worth ratio is 9.75%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.75%
- Delinquency ratio (60+ days) (Q2 2026): 1.00%
- Return on assets (Q2 2026): 0.83%
- Loan-to-share ratio (Q2 2026): 99.11%
North Iowa Community Credit Union (NCUA charter 64191, established 1956) reported $127.8M in assets and 11,338 members for Q2 2026 from Mason City, Iowa. It ranks 26 of 65 credit unions in Iowa by total assets. Total assets grew 4.8% from $121.9M on June 30, 2025. It has 74 fewer members than on June 30, 2025 (-0.6%). Its net worth ratio was up 0.67 percentage points from 9.08% on June 30, 2025. Used vehicle loans are its largest loan category, $54.3M of $112.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.00% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 9.49% for Q1 2026; 9.08% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 1.37% for Q1 2026; 0.90% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 1.10% for Q1 2026; 1.37% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 93.91% for Q1 2026; 101.18% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $54.3M
- 1- to 4-family residential and other consumer real estate loans: $27.2M
- New vehicle loans: $19.4M
- Other secured non-real estate loans and lines of credit: $6.9M
- Commercial loans: $2.5M
- Other unsecured loans and lines of credit: $1.2M
- Unsecured credit card loans: $853K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $127.8M | 9.75% | 1.00% | 0.83% | 99.11% |
| March 31, 2026 | $128.5M | 9.49% | 1.37% | 1.10% | 93.91% |
| December 31, 2025 | $124.3M | 9.53% | 0.93% | 1.18% | 98.52% |
| September 30, 2025 | $120.7M | 9.55% | 0.85% | 1.54% | 102.97% |
| June 30, 2025 | $121.9M | 9.08% | 0.90% | 1.37% | 101.18% |
| March 31, 2025 | $124.2M | 8.58% | 0.53% | 1.05% | 95.70% |
Add this badge to your website
Free to use. It shows North Iowa Community Credit Union’s latest filed figures and updates each quarter.
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.
North Iowa Community Credit Union profile
Regulator records: NCUA credit union profile (charter 64191) · FFIEC NIC profile (RSSD 385097)
Frequently asked questions
Is North Iowa Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, North Iowa Community Credit Union's net worth ratio is 9.75%, above the 7% NCUA threshold for well capitalized.
Is North Iowa Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. North Iowa Community Credit Union is a federally insured credit union (NCUA charter 64191): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are North Iowa Community Credit Union's key safety ratios?
For Q2 2026, North Iowa Community Credit Union reports net worth 9.75%, delinquency 1.00%, ROA 0.83%, loan-to-share 99.11%.
What happens to my money if North Iowa Community Credit Union fails?
For Q2 2026, North Iowa Community Credit Union held $113.4M in shares and deposits for 11,338 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.