NORTH STAR COMMUNITY
Charter #62638 · Cherokee, IA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.32% sits at the 18th percentile of structural peers — worth a closer look.
- Return on average assets of -0.24% sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 2.54% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.22% sits at the 80th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 64th percentile but its structural peers at the 33rd — a 31-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | NORTH STAR COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $156.50M | 34th pct | 59th pct |
| Members | 12,254 | 45th pct | 54th pct |
| Net worth ratio | 9.32% | 18th pct | 18th pct |
| Return on average assets | -0.24% | 5th pct | 7th pct |
| Net interest margin | 3.85% | 64th pct | 33th pct |
| Cost of funds | 2.54% | 97th pct | 97th pct |
| Loan-to-share | 80.72% | 70th pct | 54th pct |
| Delinquency 60+ days | 0.77% | 63th pct | 51th pct |
| Net charge-off ratio | 1.22% | 93th pct | 80th pct |
| Loan growth YoY | -1.82% | 26th pct | 25th pct |
| Share growth YoY | -1.30% | 5th pct | 3th pct |
| Efficiency ratio | 77.19% | 44th pct | 41th pct |
structural peer set hash: 8934ae378ed0a8d969b318ab7bf520f5… (reproducible)
Closest structural peers
This is the free public view
Claim NORTH STAR COMMUNITY
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.