# NORTH STAR COMMUNITY
Cherokee, IA · NCUA charter 62638 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/north-star-community-62638

Who the members are: state charter, organized 1972. 12,254 members of 387,245 potential (3.2% of the field); checking penetration 38% (share draft accounts per 100 members); loans per 100 members 88.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $156.5M |
| Members | 12,254 (-0.9% YoY) |
| Full-time staff | 32 |
| Net worth | $14.6M |
| Net worth ratio | 9.3% (p18 of band) |
| ROA (annualized) | -0.25% (p6 of band) |
| Total delinquency | 0.77% (p61 of band) |
| Net charge-offs (annualized) | 1.22% (p92 of band) |
| Loans / shares | 81% (p73 of band) |
| Cash / assets | 19.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.88% (p63 of band) |
| Operating expense / assets | 3.54% (p47 of band) |
| Vehicles % of loans | 69% (p92 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 51% |
| Third-party paper % of net worth | 281% (p94 of band) |
| Vehicle delinquency | 0.69% (p57 of band) |
| Vehicle NCO | 1.41% (p84 of band) |
| Repossessed % of vehicle book | 1.61% (p99 of band) |
| Real estate % of loans | 16% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 28% |
| Core shares % of member funds | 41% |
| Certificates % of member funds | 46% |
| Average share balance | $6,046 |
| Participations bought / yr | $928,376 |
| Participations sold / yr | $0 |
| Participations outstanding | $4.2M |
| Loans outstanding per 100 members | 88% |
| Loans granted per 100 members, annualized | 24% |
| Average loan balance | $10,573 |
| Loans granted, annualized | $50.0M |

## Participation posture (from the same filings)

Bought $928,376 and sold $0 in the latest annualized quarter; $4.2M outstanding purchased (28.5% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares -4.0% year over year.

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco_high`)
- **repo signal** (`aq_repo`)
- **assets shrinking** (`shrink_assets`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 0 |  | charge-offs p90 |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | delinquency rising |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 3 | 3rd-party paper>100% NW, auto monoline |  |
| 2019-09 | 2 |  | delinquency rising |
| 2019-12 | 4 | net worth falling, delinquency 2x band |  |
| 2020-03 | 5 | delinquency rising |  |
| 2020-06 | 5 |  |  |
| 2020-09 | 4 |  | net worth falling |
| 2020-12 | 3 |  | delinquency rising |
| 2021-03 | 6 | thin capital, net worth falling, charge-offs p90 |  |
| 2021-06 | 4 |  | thin capital, net worth falling |
| 2021-09 | 4 |  |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 6 | net worth falling, members leaving |  |
| 2022-06 | 3 |  | delinquency 2x band, charge-offs p90, net worth falling |
| 2022-09 | 4 | thin capital |  |
| 2022-12 | 5 | delinquency 2x band |  |
| 2023-03 | 4 |  | members leaving |
| 2023-06 | 4 | delinquency rising | thin capital |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 | thin capital | delinquency rising |
| 2024-03 | 5 | net worth falling |  |
| 2024-06 | 2 |  | delinquency 2x band, thin capital, net worth falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | net worth falling |  |
| 2025-03 | 4 | delinquency 2x band |  |
| 2025-06 | 3 | charge-offs p90 | net worth falling, delinquency 2x band |
| 2025-09 | 4 | delinquency 2x band |  |
| 2025-12 | 4 | repo signal | delinquency 2x band |
| 2026-03 | 6 | losing money, assets shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-11-18 [2021 Crystal Performance Awards Show Pandemic Resilience Among Credit Unions - Fiserv](https://news.google.com/rss/articles/CBMixAFBVV95cUxNX3pLYXJNeWI0ck0wTnJNcElTbVU2ZzB1VF9zVEJ5YlFKelQ1dE84VE1nU2ZydXU0Y3ZVZENybXpFQjNSY3VKN2RHODE1OXl1dDRzUUNzQmo3N1diNWR4YnFILXlhWE1jcVJ4N3cwWGh5bWNBQkRmNVJHaWttSHYwMkIyUUFNTTlPUUFWc3RhLVRvaHF1VkQ5UFVxVGZtUWJEd0lXNUJQbXhDYnpKRXZqVnVMSnVieEM5NkowRTZXRjU2NVdW?oc=5) · Fiserv
- 2026-09-08 [54 Credit Union Leaders Earn CUDE Designation - cutoday.info](https://news.google.com/rss/articles/CBMiigFBVV95cUxOZVpnbEstUFVkSDRERlRkaWlLX240b3pWSm1DMTN4VW83REFRZzFMU2w5eDcxSGVhRVdnSlk1c3pMcmJtWk5OeUVvb0tLMWVoT3FRNElON1pPM21aZGR0eEI0SWhUY0wtN0lSSDFsSmJBcDQxenBmZFJSbzhNT2tmTFdZTXphWUZtN0E?oc=5) · cutoday.info
- 2025-11-25 [Lois I. Burkhardt Obituary Nov 25, 2025 - Boothby Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBOOWhmWEpndzloczhCb2xDYS05TU9HMUhhZXhWRWc0RVJJR0JXMXdWcGZoX1EydVJ2STJKckdmU2ZCQ2VDSlhFQWJGRW1udS16eC1ZQW1xNnNXbUpQRXVzdnlrcXRITG8?oc=5) · Boothby Funeral Home
- 2024-02-13 [Earn up to 6.17% With 16 Regional CDs That Out-Pay the National Leaders - Investopedia](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNc2llekxGLWZjTkJSaWF1MDYyYTB4MHBCVWJwQnRsaUoyUVkwdDFBZnVMSUVxSmtEa3FwU00wTXozV2xkOXM4M045ck9qOUgwemh2UnlNSXBHNTJuTmQ4OXE4RTRiTzlRclZoRWdJVWNLNlMyZEdLaUJ6VFcySVg3S0E1S05KRGpoSG1hLUNyNUtCRFY4d255UmEwSWhiakJMTjVLemZLay1xUQ?oc=5) · Investopedia
- 2026-09-03 [Main Street lighting gets big boost - The Cherokee Chronicle Times](https://news.google.com/rss/articles/CBMihwFBVV95cUxQN19JTk1JQVg4X1BRLWVlZ2t2VDZCLW1ZZEZWU1E1RHBJc2tWQ3dyTUxkUVZaVG5nOHhnbDBYYndsWi1pWnhzZjdrZXpWWm81ejNzNURsS0dJbjZYaDVNZ3hVeV9wbjJ5eTAzb01EckxUOXZHYXdCMjFUQUxEMU96bXFNdzVPNVU?oc=5) · The Cherokee Chronicle Times
- 2025-12-11 [Letter to the Editor: Thank you for your generosity - The Cherokee Chronicle Times](https://news.google.com/rss/articles/CBMif0FVX3lxTFBPNFJpSE9OQ29OQW5JT2FqS3dkXzZIVnh0YXZNOUxQNXk2aGdHX25yQkZCdld2SlpGclA4QUFBVjV2T1J1bENVT043WExhR09FSlZQUHVaOU42MVAxQWFFdlJKZFpHa19JZGJSRjFWMVRWbHYwQnNfSklIWUJCUGc?oc=5) · The Cherokee Chronicle Times
- 2011-08-16 [Thomas L. Heidenreich Obituary Aug 16, 2011 - Boothby Funeral Home](https://news.google.com/rss/articles/CBMib0FVX3lxTE1SSWY5Mk5DNzJQV01xdWdTdnJuYnRrSzEzUEc3N0YtcnVRMHNiU1VuVTFzM0p1VDUybTFabl9HWk5NNFRLTVlzUE9FRDZjeVVIQTJ0S0lUMldyeFBhMmV0ZDdXamkxc2tVeDU5VHp4MA?oc=5) · Boothby Funeral Home
- 2011-08-19 [Thomas L. Heidenreich - The Cherokee Chronicle Times](https://news.google.com/rss/articles/CBMickFVX3lxTE83SkREcGI3Q21nbUJtczNkajdPUzQzOGI1TGl3eEFUbVNvYXNXakpBNVpFRi12THZRUHoxaklSbzBpZnQ1elNkYVhlaFhpZzl4M3h1S1RLdFV3R1ZoU1lNNmpJTkNyTVlzejhVbG5zMFBzZw?oc=5) · The Cherokee Chronicle Times

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62638 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/46.json (key "62638", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=62638
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide