# 5 STAR COMMUNITY
MOUNT PLEASANT, IA · NCUA charter 64878 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/5-star-community-64878

Who the members are: state charter, organized 1950, low-income designated. 6,711 members of 150,952 potential (4.5% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 29.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $54.9M |
| Members | 6,711 (2.8% YoY) |
| Full-time staff | 10 |
| Net worth | $4.5M |
| Net worth ratio | 8.2% (p5 of band) |
| ROA (annualized) | 0.53% (p41 of band) |
| Total delinquency | 0.72% (p56 of band) |
| Net charge-offs (annualized) | 0.36% (p61 of band) |
| Loans / shares | 79% (p82 of band) |
| Cash / assets | 13.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.56% (p45 of band) |
| Operating expense / assets | 3.75% (p56 of band) |
| Vehicles % of loans | 36% (p38 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.48% (p45 of band) |
| Vehicle NCO | 0.62% (p71 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 49% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 48% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 13% |
| Average share balance | $5,073 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.5M |
| Loans outstanding per 100 members | 29% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $20,166 |
| Loans granted, annualized | $16.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.5M outstanding purchased (56.1% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 4.1% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | delinquency 2x band |  |
| 2018-09 | 0 |  | delinquency rising, delinquency 2x band |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | thin capital, net worth falling |  |
| 2019-06 | 2 | delinquency 2x band | net worth falling |
| 2019-09 | 1 | delinquency rising | thin capital, delinquency 2x band |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | thin capital |  |
| 2020-06 | 3 | net worth falling, delinquency 2x band | delinquency rising |
| 2020-09 | 4 | margin squeeze, delinquency rising | net worth falling |
| 2020-12 | 4 |  |  |
| 2021-03 | 5 | net worth falling |  |
| 2021-06 | 3 |  | margin squeeze, net worth falling |
| 2021-09 | 2 |  | delinquency rising |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | net worth falling, assets shrinking |  |
| 2022-06 | 3 |  | assets shrinking |
| 2022-09 | 2 |  | net worth falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | delinquency 2x band |
| 2023-12 | 2 | net worth falling |  |
| 2024-03 | 1 |  | net worth falling |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | delinquency rising |  |
| 2025-03 | 2 | net worth falling | delinquency rising |
| 2025-06 | 2 | delinquency rising | net worth falling |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 2 | net worth falling |  |
| 2026-03 | 2 |  |  |

## 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
- 2013-07-22 [Family and friends mourn after child drowns in Mount Pleasant - WQAD](https://news.google.com/rss/articles/CBMi8wFBVV95cUxQSEJXUF9NWTV4Y3h3Q051UXVaVTQ3ZHl2ZUUxS1ZJNnl5QUxzejFiRVhCNjRJLTJVUlcxOTZVYXg1VGFSanNRNXVXR0FDVGVNTlhGUVA5WjNxT1lNYTl4VHBVV1R3U3dQN1hPZWlDLWtYOWNuYW9KT0JibTNiSmhKUnJKdURZdkQ2YWMyUVF2WHg5czNXdmNxbDR2OFBNQ2k2QjFjdlpkZEhXM1VJZTJ1bDlvczFFVl9CejdXcGQ3ZjNoRlVGNUdLRWFtRWRkRV9JNXhnS0Vsa3M2a21FREl0MS14alhfRUpQbzdlZDVod0pwRFE?oc=5) · WQAD
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64878 (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 "64878", 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=64878
- 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