Southern Star

Houston, TX · 2 · Charter #67660 · www.southernstarcu.org
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
$18.5M
60th percentile
Members
2,760
81th percentile
Total loans
$9.2M
63th percentile
Total shares
$16.1M
61th percentile

Profitability

Return on assets
-0.38%
9th percentile
Net interest margin
3.64%
37th percentile
Efficiency ratio
87.70%
14th percentile
Non-interest income ratio
12.87%
62th percentile

Capital & Risk

Net worth ratio
13.09%
38th percentile
Delinquency rate
2.17%
23th percentile
Net charge-off rate
0.45%
35th percentile
Loan-to-share
57.03%
45th percentile

Growth

Member growth YoY
-3.40%
29th percentile
Asset growth YoY
-0.13%
40th percentile
Loan growth YoY
-6.65%
34th percentile
Share growth YoY
1.98%
58th percentile

Operations

Members / branch
2,760
89th percentile
Assets / member
$6,697
28th percentile
Field of membership penetration
23.00%
36th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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