PackageTrendsPeer
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North Star Community

Cherokee, IA · Charter 62638

NCUA · 3 branches

Q2 2026

$149.4MAssets
$112.8MLoans
$133.6MShares
$14.7MNet Worth

Executive Summary

  • Earnings: ROA of -0.02%, down 16 bps year over year; NIM at 4.21%.
  • Asset quality: problem loans at 0.54% of loans (-62 bps YoY).
  • Capital: net worth / assets of 9.83%, up 70 bps from a year ago.
  • Funding: loans stand at 84.43% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

-0.02%-16 bps YoY

Net Interest Margin (YTD, annualized)

4.21%+57 bps YoY

Efficiency Ratio (YTD, annualized)

73.90%-137 bps YoY

Net Worth / Assets

9.83%+70 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.64%0.14%0.14%0.07%0.03%-0.25%-0.02%-16 bps
Return on Equity6.86%7.03%1.57%1.50%0.71%0.34%-2.65%-0.19%-169 bps
Net Interest Margin3.65%3.58%3.55%3.65%3.78%3.80%3.88%4.21%+57 bps
Efficiency Ratio71.87%70.80%78.85%75.27%74.57%72.26%77.19%73.90%-137 bps
Growth
Asset Growth (YoY)10.16%5.08%2.95%5.64%0.59%-1.59%-3.76%-7.61%-1,324 bps
Loan Growth (YoY)10.66%7.96%4.61%-0.72%-3.51%-4.25%-3.79%-3.14%-241 bps
Share Growth (YoY)10.49%5.30%2.97%6.32%0.46%-1.68%-3.95%-8.16%-1,448 bps
Asset Quality
Delinquent Loans / Loans1.16%1.25%1.25%1.16%1.46%1.11%0.77%0.54%-62 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.10%9.06%9.04%9.12%9.28%9.24%9.32%9.83%+70 bps
Net Worth / Assets9.10%9.06%9.04%9.12%9.28%9.24%9.32%9.83%+70 bps
Liquidity & Funding
Loans / Shares84.49%81.86%80.59%80.05%81.15%79.72%80.72%84.43%+438 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps