Mirastar
San Jose, CA · Charter 24299 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 7 branches
Q2 2026
$1.0BAssets
$657.3MLoans
$941.3MShares
$102.5MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 83% of credit unions $1B-$10B in assets (rank 74 of 435).
- Widest gap: efficiency ratio trails 77% of credit unions $1B-$10B in assets (rank 338 of 435).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.54%
Rank 333 of 435
Net Interest Margin
3.91%
Rank 74 of 435
Efficiency Ratio
78.38%
Rank 338 of 435
Equity / Assets
9.87%
Rank 319 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.54% | 0.55% | 0.81% | 1.14% | Beats 23% | 333 / 435 | |
| Return on Equity | 5.47% | 5.12% | 7.41% | 9.70% | Beats 29% | 310 / 435 | |
| Net Interest Margin | 3.91% | 3.01% | 3.39% | 3.75% | Beats 83% | 74 / 435 | |
| Efficiency Ratio | 78.38% | 65.25% | 71.39% | 77.86% | Beats 23% | 338 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.03% | 0.45% | 0.69% | 1.05% | Beats 27% | 317 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.87% | 9.81% | 10.84% | 12.63% | Beats 27% | 319 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.87% | 9.81% | 10.84% | 12.63% | Beats 27% | 319 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 69.83% | 78.33% | 88.38% | 95.61% | 13th pctl | 378 / 435 | |
| Loans / Assets | 63.29% | 67.69% | 74.58% | 80.80% | 17th pctl | 361 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |