North Star Community

Cherokee, IA · 2 · Charter #62638 · www.nsccu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$159.0M
75th percentile
Members
12,287
81th percentile
Total loans
$114.1M
83th percentile
Total shares
$140.2M
77th percentile

Profitability

Return on assets
1.25%
65th percentile
Net interest margin
3.80%
58th percentile
Efficiency ratio
46.61%
88th percentile
Non-interest income ratio
10.17%
16th percentile

Capital & Risk

Net worth ratio
9.24%
14th percentile
Delinquency rate
1.11%
29th percentile
Net charge-off rate
1.52%
4th percentile
Loan-to-share
81.38%
74th percentile

Growth

Member growth YoY
-0.43%
52th percentile
Asset growth YoY
-1.59%
12th percentile
Loan growth YoY
-4.25%
20th percentile
Share growth YoY
-1.72%
14th percentile

Operations

Members / branch
4,096
71th percentile
Assets / member
$12,938
37th percentile
Field of membership penetration
3.17%
37th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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