TellerScore

Headquartered in Mount Pleasant, Iowa, 5 Star Community Credit Union is a federally insured state-chartered credit union with $54.5M in total assets and $49.4M in member shares and deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1950.

5 Star Community Credit Union has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 19% of its 2,479 credit unions with under $100 million in assets. Among 66 credit unions headquartered in Iowa, it ranks 56th. Problem-loan coverage contributes the most (87/100, 6.7%); capital cushion contributes the least (34/100, 8.35%).

TellerScore · Q2 2026

Scorecard

Capital cushion34/100
Net worth ratio: 8.35%
Loan quality74/100
Loans 60+ days delinquent ÷ total loans: 0.79%
Earnings41/100
Return on assets (annualized): 0.51%
Funding & liquidity82/100
Loans ÷ shares: 78.3% · 0.2% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.71%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (56 → 58), mostly because the loan quality component improved by 6 points.

TellerScore
515559Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202454
Q4 202451
Q1 202555
Q2 202556
Q3 202557
Q4 202558
Q1 202658
Q2 202658
Net worth ratio
7.00%7.71%8.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.07%
Q3 20248.23%
Q4 20248.12%
Q1 20257.97%
Q2 20258.42%
Q3 20258.42%
Q4 20258.31%
Q1 20268.16%
Q2 20268.35%
Delinquent loans (60+ days)
0.53%0.87%1.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.53%
Q3 20241.07%
Q4 20241.20%
Q1 20250.78%
Q2 20250.95%
Q3 20250.83%
Q4 20250.68%
Q1 20260.72%
Q2 20260.79%
Return on assets
0.36%0.45%0.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.50%
Q3 20240.49%
Q4 20240.40%
Q1 20250.36%
Q2 20250.54%
Q3 20250.54%
Q4 20250.54%
Q1 20260.53%
Q2 20260.51%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$54.5M8.35%0.79%0.51%78.3%
Q1 202658$54.9M8.16%0.72%0.53%79.0%
Q4 202558$53.1M8.31%0.68%0.54%81.2%
Q3 202557$51.5M8.42%0.83%0.54%82.9%
Q2 202556$50.6M8.42%0.95%0.54%82.0%
Q1 202555$52.3M7.97%0.78%0.36%78.0%
Q4 202451$50.8M8.12%1.20%0.40%79.3%
Q3 202454$49.8M8.23%1.07%0.49%81.5%
Q2 202459$50.1M8.07%0.53%0.50%82.2%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.35%
5th
Problem loans0.79%
47th
Net charge-offs0.35%
35th
Return on assets0.51%
43rd
Loans to deposits78.3%
22nd
Uninsured deposits0.2%
61st
Loan-loss reserves0.00%
37th
Texas ratio6.7%
22nd

Similar-size credit unions in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Metco Credit UnionCredit union Cedar Rapids, IA92 out of 100, Very strong$58.7M18.8%0.70%vs
Capitol View Credit UnionCredit union Des Moines, IA82 out of 100, Strong$46.1M18.7%0.41%vs
Sioux Valley Community Credit UnionCredit union Sioux City, IA43 out of 100, Below average$43.6M10.4%2.65%vs
Fort Dodge Family Credit UnionCredit union Fort Dodge, IA63 out of 100, Moderate$41.5M12.9%1.86%vs
Lennox Employees Credit UnionCredit union Marshalltown, IA55 out of 100, Moderate$73.4M8.6%0.89%vs
Holy Ghost Parish Credit UnionCredit union Dubuque, IA71 out of 100, Strong$34.9M9.8%0.00%vs

Deposit insurance

Is my money safe at 5 Star Community Credit Union?

Yes. 5 Star Community Credit Union is a federally insured credit union (NCUA charter #64878). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.2% of shares and deposits ($78K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 8.35%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

5 Star Community Credit Union lists 3 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
5 Star Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64878
RSSD ID
263494
Primary regulator
State + NCUA
Established
1950
Headquarters
P.O. Box 28, Mount Pleasant, IA 52641
Employees
12

Quick answers

5 Star Community Credit Union: common questions

Is 5 Star Community Credit Union NCUA insured?

Yes. 5 Star Community Credit Union is a federally insured credit union (NCUA charter #64878). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is 5 Star Community Credit Union's TellerScore?

58 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does 5 Star Community Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Mount Pleasant

InstitutionScoreAssetsCapitalProblem loansCompare
State Central BankBank Bonaparte, IA84 out of 100, Strong$63.2M16.1%1.11%vs
Federation BankBank Washington, IA83 out of 100, Strong$155.8M10.5%0.20%vs
Farmers Savings BankBank Wever, IA80 out of 100, Strong$130.5M13.7%0.27%vs
Washington State BankBank Washington, IA78 out of 100, Strong$601.1M12.5%0.49%vs
Pilot Grove Savings BankBank Pilot Grove, IA74 out of 100, Strong$1.2B8.8%0.13%vs
White State BankBank South English, IA73 out of 100, Strong$109.0M11.2%1.31%vs