Nrs Community Development

BIRMINGHAM, AL · 1 · Charter #24583 · www.starfcu.net
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.4M
9th percentile
Members
778
28th percentile
Total loans
$605.9K
11th percentile
Total shares
$1.2M
10th percentile

Profitability

Return on assets
0.22%
24th percentile
Net interest margin
4.01%
51th percentile
Efficiency ratio
92.18%
11th percentile
Non-interest income ratio
22.03%
86th percentile

Capital & Risk

Net worth ratio
13.74%
42th percentile
Delinquency rate
43.46%
0th percentile
Net charge-off rate
-0.74%
99th percentile
Loan-to-share
49.91%
34th percentile

Growth

Member growth YoY
-0.38%
62th percentile
Asset growth YoY
6.12%
80th percentile
Loan growth YoY
-25.99%
3th percentile
Share growth YoY
8.25%
88th percentile

Operations

Members / branch
389
18th percentile
Assets / member
$1,802
3th percentile
Field of membership penetration
77.80%
90th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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