Star Usa

Charleston, WV · 1 · Charter #911 · www.star.coop
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$157.3M
75th percentile
Members
14,135
87th percentile
Total loans
$107.9M
80th percentile
Total shares
$119.2M
68th percentile

Profitability

Return on assets
-0.40%
2th percentile
Net interest margin
3.26%
29th percentile
Efficiency ratio
73.80%
17th percentile
Non-interest income ratio
14.45%
36th percentile

Capital & Risk

Net worth ratio
9.98%
23th percentile
Delinquency rate
1.24%
24th percentile
Net charge-off rate
0.34%
48th percentile
Loan-to-share
90.46%
88th percentile

Growth

Member growth YoY
-8.04%
5th percentile
Asset growth YoY
-4.50%
3th percentile
Loan growth YoY
-3.07%
25th percentile
Share growth YoY
-1.05%
17th percentile

Operations

Members / branch
2,356
32th percentile
Assets / member
$11,129
21th percentile
Field of membership penetration
2.96%
36th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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