TellerScore

North Star Community Credit Union (NCUA charter #62638) is based in Cherokee, Iowa. Its Q2 2026 call report shows $149.4M in total assets and $133.6M in member shares and deposits.

North Star Community Credit Union has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 16% of its 1,341 credit unions with $100 million – $1 billion. Among 66 credit unions headquartered in Iowa, it ranks 55th. Loan quality contributes the most (82/100, 0.54%); earnings contributes the least (19/100, -0.02%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Net worth ratio: 9.83%
Loan quality82/100
Loans 60+ days delinquent ÷ total loans: 0.54%
Earnings19/100
Return on assets (annualized): -0.02%
Funding & liquidity76/100
Loans ÷ shares: 84.4% · 0.0% uninsured
Problem-loan coverage75/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 12.44%

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 5 points (53 → 58), mostly because the loan quality component improved by 21 points.

TellerScore
505559Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202456
Q4 202456
Q1 202552
Q2 202553
Q3 202550
Q4 202552
Q1 202653
Q2 202658
Net worth ratio
7.00%8.41%9.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.30%
Q3 20249.10%
Q4 20249.06%
Q1 20259.04%
Q2 20259.12%
Q3 20259.28%
Q4 20259.24%
Q1 20269.32%
Q2 20269.83%
Delinquent loans (60+ days)
0.54%1.00%1.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.09%
Q3 20241.16%
Q4 20241.25%
Q1 20251.25%
Q2 20251.16%
Q3 20251.46%
Q4 20251.11%
Q1 20260.77%
Q2 20260.54%
Return on assets
-0.25%0.28%0.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.81%
Q3 20240.62%
Q4 20240.64%
Q1 20250.14%
Q2 20250.14%
Q3 20250.07%
Q4 20250.03%
Q1 2026-0.25%
Q2 2026-0.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$149.4M9.83%0.54%-0.02%84.4%
Q1 202653$156.5M9.32%0.77%-0.25%80.7%
Q4 202552$159.0M9.24%1.11%0.03%79.7%
Q3 202550$158.6M9.28%1.46%0.07%81.1%
Q2 202553$161.7M9.12%1.16%0.14%80.0%
Q1 202552$162.6M9.04%1.25%0.14%80.6%
Q4 202456$161.5M9.06%1.25%0.64%81.9%
Q3 202456$157.7M9.10%1.16%0.62%84.5%
Q2 202459$153.0M9.30%1.09%0.81%85.7%

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).

Capital ratio9.83%
25th
Problem loans0.54%
61st
Net charge-offs1.22%
6th
Return on assets-0.02%
4th
Loans to deposits84.4%
30th
Uninsured deposits0.0%
98th
Loan-loss reserves0.00%
50th
Texas ratio12.4%
8th

Similar-size credit unions in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Affinity Credit UnionCredit union Des Moines, IA74 out of 100, Strong$154.3M12.2%0.35%vs
Telco Triad Community Credit UnionCredit union Sioux City, IA74 out of 100, Strong$160.5M12.2%0.45%vs
Cent Credit UnionCredit union Mason City, IA77 out of 100, Strong$166.0M12.7%0.20%vs
North Iowa Community Credit UnionCredit union Mason City, IA60 out of 100, Moderate$127.8M9.8%1.00%vs
1st Gateway Credit UnionCredit union Camanche, IA80 out of 100, Strong$170.9M14.1%0.35%vs
First Federal Credit UnionCredit union Hiawatha, IA43 out of 100, Below average$174.5M7.3%0.88%vs

Deposit insurance

Is my money safe at North Star Community Credit Union?

Yes. North Star Community Credit Union is a federally insured credit union (NCUA charter #62638). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.83%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
North Star Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62638
RSSD ID
794390
Primary regulator
State + NCUA
Established
1972
Headquarters
Po Box 556, Cherokee, IA 51012
Employees
33

Quick answers

North Star Community Credit Union: common questions

Is North Star Community Credit Union NCUA insured?

Yes. North Star Community Credit Union is a federally insured credit union (NCUA charter #62638). 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 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.