Headquartered in Mason City, Iowa, North Iowa Community Credit Union is a federally insured state-chartered credit union with $127.8M in total assets and $113.4M in member shares and deposits as of Q2 2026. It operates 4 offices across 2 states. Its charter dates back to 1956.
North Iowa Community Credit Union has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 21% of its 1,341 credit unions with $100 million – $1 billion. Among 66 credit unions headquartered in Iowa, it ranks 51st. Problem-loan coverage contributes the most (82/100, 9.0%); capital cushion contributes the least (48/100, 9.75%).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (61 → 60).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 60 |
| Q3 2024 | 59 |
| Q4 2024 | 61 |
| Q1 2025 | 62 |
| Q2 2025 | 61 |
| Q3 2025 | 63 |
| Q4 2025 | 63 |
| Q1 2026 | 57 |
| Q2 2026 | 60 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.22% |
| Q3 2024 | 8.50% |
| Q4 2024 | 8.73% |
| Q1 2025 | 8.58% |
| Q2 2025 | 9.08% |
| Q3 2025 | 9.55% |
| Q4 2025 | 9.53% |
| Q1 2026 | 9.49% |
| Q2 2026 | 9.75% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.70% |
| Q3 2024 | 0.90% |
| Q4 2024 | 0.72% |
| Q1 2025 | 0.53% |
| Q2 2025 | 0.90% |
| Q3 2025 | 0.85% |
| Q4 2025 | 0.93% |
| Q1 2026 | 1.37% |
| Q2 2026 | 1.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.15% |
| Q3 2024 | 1.20% |
| Q4 2024 | 1.15% |
| Q1 2025 | 1.05% |
| Q2 2025 | 1.22% |
| Q3 2025 | 1.33% |
| Q4 2025 | 1.27% |
| Q1 2026 | 1.10% |
| Q2 2026 | 0.97% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 60 | $127.8M | 9.75% | 1.00% | 0.97% | 99.1% |
| Q1 2026 | 57 | $128.5M | 9.49% | 1.37% | 1.10% | 93.9% |
| Q4 2025 | 63 | $124.3M | 9.53% | 0.93% | 1.27% | 98.5% |
| Q3 2025 | 63 | $120.7M | 9.55% | 0.85% | 1.33% | 103.0% |
| Q2 2025 | 61 | $121.9M | 9.08% | 0.90% | 1.22% | 101.2% |
| Q1 2025 | 62 | $124.2M | 8.58% | 0.53% | 1.05% | 95.7% |
| Q4 2024 | 61 | $118.2M | 8.73% | 0.72% | 1.15% | 97.9% |
| Q3 2024 | 59 | $118.6M | 8.50% | 0.90% | 1.20% | 99.2% |
| Q2 2024 | 60 | $117.9M | 8.22% | 0.70% | 1.15% | 99.7% |
1,341 peers · $100 million – $1 billion
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).
Similar-size credit unions in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| River Valley Credit UnionCredit union Ames, IA | 70 out of 100, Strong | $119.3M | 11.4% | 1.05% | vs |
| Advantage Credit UnionCredit union Newton, IA | 70 out of 100, Strong | $106.5M | 15.3% | 2.39% | vs |
| North Star Community Credit UnionCredit union Cherokee, IA | 58 out of 100, Moderate | $149.4M | 9.8% | 0.54% | vs |
| Affinity Credit UnionCredit union Des Moines, IA | 74 out of 100, Strong | $154.3M | 12.2% | 0.35% | vs |
| Serve Credit UnionCredit union Des Moines, IA | 84 out of 100, Strong | $101.3M | 18.1% | 0.81% | vs |
| Midland Credit UnionCredit union Urbandale, IA | 75 out of 100, Strong | $101.2M | 11.8% | 0.60% | vs |
Deposit insurance
Is my money safe at North Iowa Community Credit Union?
Yes. North Iowa Community Credit Union is a federally insured credit union (NCUA charter #64191). 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 5.7% of shares and deposits ($6.5M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 9.75%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
4 locations
Branches
North Iowa Community Credit Union lists 4 offices in 3 cities across 2 states. Most locations:
- Mason City, IA (2)
- Anaheim, CA (1)
- San Diego, CA (1)
Identity & history
Profile
- Legal name
- North Iowa Community Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 64191
- RSSD ID
- 385097
- Primary regulator
- State + NCUA
- Established
- 1956
- Headquarters
- Po Box 1248, Mason City, IA 50402
- Employees
- 28
Quick answers
North Iowa Community Credit Union: common questions
Is North Iowa Community Credit Union NCUA insured?
Yes. North Iowa Community Credit Union is a federally insured credit union (NCUA charter #64191). 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 North Iowa Community Credit Union's TellerScore?
60 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 North Iowa Community Credit Union have?
4 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Mason City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| United Bank and Trust CompanyBank Hampton, IA | 97 out of 100, Very strong | $228.4M | 14.8% | 0.00% | vs |
| Ace Credit UnionCredit union Mason City, IA | 89 out of 100, Very strong | $7.5M | 20.9% | 0.12% | vs |
| Citizens Community Credit UnionCredit union Fort Dodge, IA | 88 out of 100, Very strong | $253.6M | 19.1% | 0.73% | vs |
| First Citizens BankBank Mason City, IA | 81 out of 100, Strong | $1.8B | 12.0% | 0.16% | vs |
| Iowa Heartland Credit UnionCredit union Mason City, IA | 77 out of 100, Strong | $30.3M | 17.0% | 0.42% | vs |
| Cent Credit UnionCredit union Mason City, IA | 77 out of 100, Strong | $166.0M | 12.7% | 0.20% | vs |