Credit Union Safety Analysis
Is North Star Community Credit Union Safe? Cherokee, Iowa
Based on its Q2 2026 NCUA 5300 call report, North Star Community Credit Union has a net worth ratio of 9.83%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.54%, 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, North Star Community Credit Union's net worth ratio is 9.83%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.83%
- Delinquency ratio (60+ days) (Q2 2026): 0.54%
- Return on assets (Q2 2026): 0.22%
- Loan-to-share ratio (Q2 2026): 84.43%
North Star Community Credit Union (NCUA charter 62638, established 1972) reported $149.4M in assets and 12,200 members for Q2 2026 from Cherokee, Iowa. It ranks 25 of 65 credit unions in Iowa by total assets. Total assets fell 7.6% from $161.7M on June 30, 2025. It has 164 fewer members than on June 30, 2025 (-1.3%). Its net worth ratio was up 0.71 percentage points from 9.12% on June 30, 2025. Used vehicle loans are its largest loan category, $69.3M of $112.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.54% is below 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: 9.32% for Q1 2026; 9.12% 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: 0.77% for Q1 2026; 1.16% 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: -0.25% for Q1 2026; 0.13% 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: 80.72% for Q1 2026; 80.05% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $69.3M
- 1- to 4-family residential and other consumer real estate loans: $18.4M
- New vehicle loans: $8.5M
- Other unsecured loans and lines of credit: $6.3M
- Other secured non-real estate loans and lines of credit: $6.2M
- Commercial loans: $4.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $149.4M | 9.83% | 0.54% | 0.22% | 84.43% |
| March 31, 2026 | $156.5M | 9.32% | 0.77% | -0.25% | 80.72% |
| December 31, 2025 | $159.0M | 9.24% | 1.11% | -0.07% | 79.72% |
| September 30, 2025 | $158.6M | 9.28% | 1.46% | -0.08% | 81.15% |
| June 30, 2025 | $161.7M | 9.12% | 1.16% | 0.13% | 80.05% |
| March 31, 2025 | $162.6M | 9.04% | 1.25% | 0.14% | 80.59% |
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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.
North Star Community Credit Union profile
Regulator records: NCUA credit union profile (charter 62638) · FFIEC NIC profile (RSSD 794390)
Frequently asked questions
Is North Star Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, North Star Community Credit Union's net worth ratio is 9.83%, above the 7% NCUA threshold for well capitalized.
Is North Star Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. North Star Community Credit Union is a federally insured credit union (NCUA charter 62638): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are North Star Community Credit Union's key safety ratios?
For Q2 2026, North Star Community Credit Union reports net worth 9.83%, delinquency 0.54%, ROA 0.22%, loan-to-share 84.43%.
What happens to my money if North Star Community Credit Union fails?
For Q2 2026, North Star Community Credit Union held $133.6M in shares and deposits for 12,200 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.