Mirastar

San Jose, CA · 1 · Charter #24299 · www.mirastarfcu.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.0B
1th percentile
Members
48,878
3th percentile
Total loans
$621.8M
3th percentile
Total shares
$902.0M
6th percentile

Profitability

Return on assets
0.85%
40th percentile
Net interest margin
3.74%
84th percentile
Efficiency ratio
67.50%
4th percentile
Non-interest income ratio
13.59%
18th percentile

Capital & Risk

Net worth ratio
9.74%
25th percentile
Delinquency rate
0.98%
30th percentile
Net charge-off rate
0.42%
60th percentile
Loan-to-share
68.94%
13th percentile

Growth

Member growth YoY
2.78%
55th percentile
Asset growth YoY
6.33%
56th percentile
Loan growth YoY
15.21%
91th percentile
Share growth YoY
4.19%
36th percentile

Operations

Members / branch
6,983
42th percentile
Assets / member
$20,945
73th percentile
Field of membership penetration
5.22%
49th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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