North Star Community
Cherokee, IA · Charter 62638 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$149.4MAssets
$112.8MLoans
$133.6MShares
$14.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 70% of credit unions under $1B in assets (rank 497 of 1683).
- Widest gap: return on equity trails 89% of credit unions under $1B in assets (rank 1496 of 1681).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-0.02%
Rank 1,494 of 1,683
Net Interest Margin
4.21%
Rank 497 of 1,683
Efficiency Ratio
73.90%
Rank 632 of 1,682
Equity / Assets
9.82%
Rank 1,371 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.02% | 0.35% | 0.74% | 1.18% | Beats 11% | 1,494 / 1,683 | | |
| Return on Equity | -0.19% | 2.67% | 5.89% | 8.74% | Beats 11% | 1,496 / 1,681 | | |
| Net Interest Margin | 4.21% | 3.31% | 3.82% | 4.32% | Beats 70% | 497 / 1,683 | | |
| Efficiency Ratio | 73.90% | 68.91% | 78.20% | 86.93% | Beats 62% | 632 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.54% | 0.26% | 0.65% | 1.29% | Beats 57% | 732 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.82% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,371 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.82% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,371 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.43% | 52.61% | 69.38% | 83.50% | 77th pctl | 392 / 1,683 | | |
| Loans / Assets | 75.54% | 44.71% | 59.18% | 70.72% | 84th pctl | 267 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |