NORTH IOWA COMMUNITY
Charter #64191 · MASON CITY, IA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.49% sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 5.80% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.20% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.37% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.27% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
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 IOWA COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $128.52M | 19th pct | 25th pct |
| Members | 11,339 | 40th pct | 39th pct |
| Net worth ratio | 9.49% | 21th pct | 23th pct |
| Return on average assets | 1.11% | 75th pct | 74th pct |
| Net interest margin | 5.80% | 100th pct | 97th pct |
| Cost of funds | 0.20% | 9th pct | 15th pct |
| Loan-to-share | 93.91% | 95th pct | 93th pct |
| Delinquency 60+ days | 1.37% | 87th pct | 82th pct |
| Net charge-off ratio | 0.27% | 40th pct | 20th pct |
| Loan growth YoY | -1.95% | 25th pct | 10th pct |
| Share growth YoY | 7.51% | 90th pct | 82th pct |
| Efficiency ratio | 77.72% | 47th pct | 51th pct |
structural peer set hash: 4d1de8fc9e5bf45928dcbb55eeb870ca… (reproducible)
Closest structural peers
This is the free public view
Claim NORTH IOWA 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.