North Star Community Credit Union (62638), a $158.6M credit union headquartered in Cherokee, IA, led by CEO Hayes, reported 12,298 members at the end of 2025 Q3, an increase of 44 members (+0.4%) compared to the same quarter last year.
Stable membership suggests mature market positioning with focus on deepening existing relationships rather than aggressive acquisition.
Per-Member Economics
North Star Community Credit Union's 12,298 members maintain an average of $12K in deposits and $9K in loans. Membership growing faster than per-member balances suggests successful acquisition of newer members who haven't yet consolidated accounts.
Membership Trends
Membership levels have stabilized, suggesting the credit union has reached a steady state within its field of membership.
Quarterly Membership Trend
| Period | Members | QoQ Change | Assets/Member |
|---|---|---|---|
| 2024 Q2 | 12,065 | $13K | |
| 2024 Q3 | 12,254 | +1.6% | $13K |
| 2024 Q4 | 12,340 | +0.7% | $13K |
| 2025 Q1 | 12,370 | +0.2% | $13K |
| 2025 Q2 | 12,364 | -0.0% | $13K |
| 2025 Q3 | 12,298 | -0.5% | $13K |
Source: NCUA 5300 Call Reports
Field of Membership Penetration
North Star Community Credit Union has a defined field of membership comprising 383,009 potential members. With 12,298 current members, the credit union achieves a 3.2% penetration rate, representing significant untapped growth potential.
Historical Context: Since the 2008 Crisis
North Star Community Credit Union's membership has grown 41% since Q3 2008, when the financial crisis peaked. At that time, the credit union served 8,708 members.
This growth trajectory demonstrates steady member acquisition through multiple economic cycles.
Peer Comparison
Among 896 credit unions in its $79.3M–$237.9M asset peer group, North Star Community Credit Union ranks in the 59th percentile for membership growth.
Outlook
North Star Community Credit Union's membership trajectory will depend on its ability to differentiate through service quality, digital capabilities, and community engagement in an increasingly competitive landscape.
North Star Community Credit Union's Q4 2025 results, expected in early 2026, will provide further insight into whether membership growth can accelerate.
Track This Credit Union
Monitor North Star Community Credit Union's quarterly membership trends, per-member economics, and engagement metrics with Finleet Terminal.
Data Sources: NCUA 5300 Call Reports (2025_Q3), NCUA Historical Data (2007-present), Finleet Proprietary Analysis
Methodology: Year-over-year growth calculated comparing 2025_Q3 to same quarter prior year. Peer groups defined as credit unions within 50% asset range. Per-member metrics calculated by dividing totals by member count.