# NORTH IOWA COMMUNITY
MASON CITY, IA · NCUA charter 64191 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/north-iowa-community-64191

Who the members are: state charter, organized 1956. 11,339 members of 133,348 potential (8.5% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 55.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $128.5M |
| Members | 11,339 (0.8% YoY) |
| Full-time staff | 28 |
| Net worth | $12.2M |
| Net worth ratio | 9.5% (p21 of band) |
| ROA (annualized) | 1.10% (p73 of band) |
| Total delinquency | 1.37% (p84 of band) |
| Net charge-offs (annualized) | 0.27% (p42 of band) |
| Loans / shares | 94% (p96 of band) |
| Cash / assets | 11.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.71% (p99 of band) |
| Operating expense / assets | 4.09% (p65 of band) |
| Vehicles % of loans | 65% (p90 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 82% |
| Third-party paper % of net worth | 505% (p99 of band) |
| Vehicle delinquency | 0.67% (p56 of band) |
| Vehicle NCO | 0.46% (p47 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 20% |
| Core shares % of member funds | 36% |
| Certificates % of member funds | 41% |
| Average share balance | $5,500 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $17,346 |
| Loans granted, annualized | $40.2M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, delinquency 2x band, 3rd-party paper>100% NW |  |
| 2016-06 | 3 | loans>95% of shares | losing money |
| 2016-09 | 4 | net worth falling |  |
| 2016-12 | 3 |  | net worth falling |
| 2017-03 | 3 | losing money | loans>95% of shares |
| 2017-06 | 4 | net worth falling, loans>95% of shares | losing money |
| 2017-09 | 5 | auto monoline |  |
| 2017-12 | 4 |  | auto monoline |
| 2018-03 | 3 |  | loans>95% of shares |
| 2018-06 | 3 | loans>95% of shares | delinquency 2x band |
| 2018-09 | 5 | delinquency 2x band, leaning on borrowings |  |
| 2018-12 | 6 | thin capital |  |
| 2019-03 | 3 |  | net worth falling, leaning on borrowings, thin capital |
| 2019-06 | 5 | delinquency rising, members leaving |  |
| 2019-09 | 3 |  | delinquency rising, members leaving |
| 2019-12 | 2 |  | delinquency 2x band |
| 2020-03 | 5 | thin capital, net worth falling, delinquency 2x band, members leaving | loans>95% of shares |
| 2020-06 | 4 |  | delinquency 2x band |
| 2020-09 | 4 | delinquency 2x band | net worth falling |
| 2020-12 | 3 |  | delinquency 2x band |
| 2021-03 | 2 |  | members leaving |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 | auto monoline | thin capital |
| 2022-03 | 3 | thin capital |  |
| 2022-06 | 3 | loans>95% of shares | thin capital |
| 2022-09 | 5 | thin capital, delinquency rising |  |
| 2022-12 | 7 | net worth falling, delinquency 2x band |  |
| 2023-03 | 7 |  |  |
| 2023-06 | 5 |  | net worth falling, delinquency 2x band |
| 2023-09 | 5 |  |  |
| 2023-12 | 4 |  | delinquency rising |
| 2024-03 | 5 | members leaving |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 5 | delinquency rising | members leaving |
| 2024-12 | 4 |  | delinquency rising |
| 2025-03 | 4 |  |  |
| 2025-06 | 3 |  | thin capital |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 5 | net worth falling, delinquency 2x band, delinquency rising | loans>95% of shares |

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

- 2026-05-27 [Iowa students win $48K in Warren A. Morrow scholarships - kimt.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQenpZLTN6ZWlKN3lyRzg3azRyclFPc2E1aTBmNkRUaGlsLVE4VmFkRXlpNGY4OEo2VU5wRVhGNkZ1OFdzNkVRd2tKUmJoRkVwUlM4VFNjN2M4N1IyNDdiVXlQbFpjZ0ZpNmw3cDNiZnk4ZVhUakdleDZSQmtRT190S1lPVW5QUEt2c1lPOWh2MF9lWjM4cVZ6Yi11bnpPWEVuMUFsSjh6ZzdXY3pfaXhYYWlQemcxT2g3cDVvUlVxNG5VX2kzOTJabg?oc=5) · kimt.com
- 2024-08-25 [Obituary information for Traci Jean Foster - Hogan Bremer Moore Colonial Chapels - Mason City, IA](https://news.google.com/rss/articles/CBMif0FVX3lxTE5MS0NhRkxUa2tNT0hEUW11eEx0eFVzUGtLcWhjTC1peTRJRS1HT3NsbzdEZGJaZ1RQS3NmQnE0RkdBRW5tZE5YRVp4ajRiWWZ2VDJVUDcwY3pITjhBUlZUR0liZ2JFeG1RZHFtNDJBbURuY1JBV2xZQld4U25iQW8?oc=5) · Hogan Bremer Moore Colonial Chapels - Mason City, IA
- 2012-01-01 [Toni Torres Obituary Jan 1, 2012 - Major Erickson Funeral Home and Crematory](https://news.google.com/rss/articles/CBMicEFVX3lxTE1NQ01oUFhTSElDaVlTUTdsSU5pZ082Ull1TVZuVm5ycl9Hcm9uNmtzWm9UWkNBNjViOVVZUk5zUWZZeWxVRGpwOG12azBmM05DTm5TOTRqeDRwUDZtdnhLZ1l6UFV1aW9WaGF6SVJ6VTc?oc=5) · Major Erickson Funeral Home and Crematory
- 2026-06-20 [Herman Meyer Obituary (1946 - 2026) - Mason City, IA - Globe Gazette - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOSzZ1SWNUbU81ZnV6S0xNUUNKTU92cWJSZlJJcTZLOVN2TDA2LTB5T0cydF9wVWl5MFRmR0NNdE9wMnBKblZ3Ry1laTUxR05nT1ZtOXI4MkFkbkx3Z3hDRGxhV0F3eDR0V1BTcGVaNVpEVmtVYi1HZXROODJlRWlFMjVGTnpkSGJNLXVsY1FHYVFPdw?oc=5) · legacy.com
- 2026-01-29 [Northwood man arrested for trying to pass over $16,000 in phony checks in Mason City - kimt.com](https://news.google.com/rss/articles/CBMi6gFBVV95cUxPSGVMMkh2Rlg0Z2VpUTFiS3daWDhXblJrVENKZHgtVUVsbndnVlNLTHEtV2dKTVJic2dsb1dXeW9KU01ObEZUdjB2UHVCYnI1MnJ0TjRvTENnVFg2aW1ibzR2ci1sWG5Zb1h1Um15cUk5VHZXTjlZLUZmX1oyVlJFTTJFWnRRYWpZZUg3WHY2aG9tUlJ3SUxGTDN5ay1XdkUwT1REY1hveFV2NjlPRE1GcTFOb1JMLVpmdWZ0bnk0TXIxMWQ0c3U0UW1rRzJISk1nTWdUZElTWDJ1NTA2aTFXQUpsRi1JNlo0dnc?oc=5) · kimt.com
- 2022-01-12 [Logan Brown Obituary (2022) - Mason City, IA - Globe Gazette - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOdUFERmtTUnNZTmhSbGhpN21XWmNZX0ozN2dpeVZSbF9yd0lWTFhVdlEwdU11WHNaeS1MZ0s5a3JQQVg1V3ZTM2Y3SnJJRU9VbXZURTdDOVl5MVVPejNQNXN0WjVjVk9LWnEzNGFZQkY2Y1A1REtNbXJGSW53ckpLR1RwYzVTenlVcUFZWW5uWjg?oc=5) · legacy.com
- 2019-09-05 [Larry Lee Obituary (2019) - Mason City, IA - Globe Gazette - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPVDktMklxTTdMekxxdTY2T1lhY1pEQUsxanNOM1hoaXVYQjRTOTZERUhLTkZVOVdTc1NMRmpFM0tOS1pzU3V3em1MSS1CQ3pyT2F2QWV2cS1PaDFiWVdWaEJkaEVCRUdZSDV5T2xqNncxU3U5dENrRm9Qd3NKNndWZml5S0t6ZlBrOGlIa1ZR?oc=5) · legacy.com
- 2021-01-05 [Becky Bull Obituary (1966 - 2020) - Mason City, IA - Globe Gazette - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNbDZIN2xpNzRUeXd0TXpFUS1QTmZMdTdMTk0yVm5jN2JMZmotdjRlbWYzUFowNmpzVzBlSHgzQXVwVnh3M1dlT0Nsc0pnc19mVV8ySXFJMms4LU1DMWlteGR3aGtQbEhtNHRzZzhDam4zUU9ONTRTNVFBaGRmbWs0UE5VZ2lBMEM5T24zTk1R?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64191 (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/63.json (key "64191", 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=64191
- 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