Star One Credit Union
Total assets
$9.58B
▲ +3.6% YoY
Shares & deposits
$8.24B
▲ +8.9% YoY
Loans
$6.57B
▲ +6.2% YoY
Members
133,824
▲ +3.1% YoY
ROA (annualized)
0.29%
peers 0.71%
ROE (annualized)
2.03%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | Star One Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +5.1% | -1.5 pts |
| Share growth (YoY) | +8.9% | +4.9% | +4.0 pts |
| Loan growth (YoY) | +6.2% | +5.4% | +0.8 pts |
| ROA | 0.29% | 0.71% | -0.4 pts |
| ROE | 2.0% | 6.3% | -4.3 pts |
ROA ranks in the 15th percentile of its peer group · Q1 2026
Profile
- Established
- 1956
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- P.O. Box 3643, Sunnyvale, CA, 94088
- NCUA charter #
- 68465
- RSSD ID
- 472988
- 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 | $9.58B | $8.24B | $6.57B | $1.36B | $6.9M | 0.29% | 1.06% | 0.07% | 133,824 |
| Q4 2025 | $9.35B | $7.99B | $6.43B | $1.36B | $37.7M | 0.40% | 1.02% | 0.13% | 132,623 |
| Q3 2025 | $8.98B | $7.65B | $6.27B | $1.34B | $21.2M | 0.31% | 1.06% | 0.15% | 131,454 |
| Q2 2025 | $8.83B | $7.49B | $6.25B | $1.32B | $2.4M | 0.05% | 1.07% | 0.16% | 130,426 |
| Q1 2025 | $9.25B | $7.57B | $6.19B | $1.32B | $-2.3M | -0.10% | 0.97% | 0.13% | 129,804 |
| Q4 2024 | $9.45B | $7.34B | $6.08B | $1.32B | $33.7M | 0.36% | 0.78% | 0.15% | 129,085 |
| Q3 2024 | $9.75B | $7.21B | $5.93B | $1.31B | $21.0M | 0.29% | 0.73% | 0.16% | 128,165 |
| Q2 2024 | $9.91B | $7.24B | $5.85B | $1.31B | $23.7M | 0.48% | 0.71% | 0.08% | 126,827 |
Loan mix (Q1 2026): real estate $5.98B · commercial $0 · consumer $439.9M · securities $2.21B
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Star One Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 0.71% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 6.3% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.06% | 3.32% | 1th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.3% | 73.0% | 58th | |
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 | Star One Credit Union | 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 | Star One Credit Union | 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 | Star One Credit Union | 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 | Star One Credit Union | 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.
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