Mountain Star

El Paso, TX · 1 · Charter #856 · www.mountainstarfcu.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
$45.5M
96th percentile
Members
4,748
97th percentile
Total loans
$30.2M
98th percentile
Total shares
$34.6M
90th percentile

Profitability

Return on assets
4.66%
99th percentile
Net interest margin
4.69%
75th percentile
Efficiency ratio
44.97%
88th percentile
Non-interest income ratio
44.64%
97th percentile

Capital & Risk

Net worth ratio
18.28%
67th percentile
Delinquency rate
0.56%
55th percentile
Net charge-off rate
0.23%
49th percentile
Loan-to-share
87.33%
85th percentile

Growth

Member growth YoY
9.50%
97th percentile
Asset growth YoY
9.51%
91th percentile
Loan growth YoY
26.13%
97th percentile
Share growth YoY
6.82%
83th percentile

Operations

Members / branch
2,374
85th percentile
Assets / member
$9,588
53th percentile
Field of membership penetration
47.48%
63th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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