PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

5 Star Community

Mount Pleasant, IA · Charter 64878

NCUA · 3 branches

Q2 2026

$54.5MAssets
$38.7MLoans
$49.4MShares
$4.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.51%, down 3 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 0.79% of loans (-16 bps YoY).
  • Capital: net worth / assets of 8.35%, down 7 bps from a year ago.
  • Funding: loans stand at 78.31% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.51%-3 bps YoY

Net Interest Margin (YTD, annualized)

3.61%+11 bps YoY

Efficiency Ratio (YTD, annualized)

86.64%+411 bps YoY

Net Worth / Assets

8.35%-7 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.40%0.36%0.54%0.54%0.54%0.53%0.51%-3 bps
Return on Equity5.93%4.91%4.47%6.47%6.41%6.46%6.47%6.16%-31 bps
Net Interest Margin3.20%3.15%3.27%3.50%3.42%3.42%3.56%3.61%+11 bps
Efficiency Ratio88.72%89.81%85.51%82.53%83.34%83.69%84.05%86.64%+411 bps
Growth
Asset Growth (YoY)4.38%3.51%6.05%0.91%3.26%4.51%4.93%7.69%+678 bps
Loan Growth (YoY)2.27%0.94%-1.82%0.68%4.13%5.17%5.51%2.13%+146 bps
Share Growth (YoY)8.48%3.82%6.65%0.97%2.38%2.71%4.13%6.94%+597 bps
Asset Quality
Delinquent Loans / Loans1.07%1.20%0.78%0.95%0.83%0.68%0.72%0.79%-16 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 Capital8.23%8.12%7.97%8.42%8.42%8.31%8.16%8.35%-7 bps
Net Worth / Assets8.23%8.12%7.97%8.42%8.42%8.31%8.16%8.35%-7 bps
Liquidity & Funding
Loans / Shares81.50%79.28%77.95%81.99%82.90%81.17%78.98%78.31%-369 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps