Mirastar Federal Credit Union
Total assets
$1.04B
▲ +7.6% YoY
Shares & deposits
$914.6M
▲ +4.3% YoY
Loans
$638.1M
▲ +17.0% YoY
Members
50,198
▲ +5.0% YoY
ROA (annualized)
0.53%
peers 0.71%
ROE (annualized)
5.48%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +5.1% | +2.4 pts |
| Share growth (YoY) | +4.3% | +4.9% | -0.6 pts |
| Loan growth (YoY) | +17.0% | +5.4% | +11.5 pts |
| ROA | 0.53% | 0.71% | -0.2 pts |
| ROE | 5.5% | 6.3% | -0.8 pts |
ROA ranks in the 34th percentile of its peer group · Q1 2026
Profile
- Established
- 1950
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 2099 Gateway Place, Suite 140, San Jose, CA, 95110
- NCUA charter #
- 24299
- RSSD ID
- 438797
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.04B | $914.6M | $638.1M | $101.0M | $1.4M | 0.53% | 3.95% | 1.00% | 50,198 |
| Q4 2025 | $1.02B | $902.0M | $621.8M | $99.7M | $4.2M | 0.41% | 3.75% | 0.98% | 48,878 |
| Q3 2025 | $982.7M | $888.8M | $575.3M | $98.8M | $3.1M | 0.42% | 3.86% | 1.04% | 47,949 |
| Q2 2025 | $968.7M | $870.4M | $555.4M | $97.9M | $2.3M | 0.47% | 3.88% | 0.88% | 47,543 |
| Q1 2025 | $963.3M | $876.9M | $545.6M | $96.7M | $1.0M | 0.42% | 3.89% | 0.70% | 47,829 |
| Q4 2024 | $962.8M | $865.8M | $539.7M | $95.7M | $5.9M | 0.61% | 3.82% | 1.14% | 47,555 |
| Q3 2024 | $983.5M | $867.5M | $546.7M | $94.9M | $4.8M | 0.66% | 3.74% | 0.82% | 47,387 |
| Q2 2024 | $966.3M | $883.0M | $527.6M | $93.4M | $3.4M | 0.69% | 3.74% | 0.86% | 47,151 |
Loan mix (Q1 2026): real estate $394.3M · commercial $0 · consumer $241.0M · securities $296.5M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 0.71% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 6.3% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.32% | 88th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.4% | 73.0% | 70th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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