Star of Texas
Austin, TX · Charter 67512 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$71.6MAssets
$53.4MLoans
$54.1MShares
$16.0MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 100% of credit unions under $1B in assets in TX (rank 1 of 235).
- Widest gap: nonperforming loans / loans trails 95% of credit unions under $1B in assets in TX (rank 224 of 235).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
3.94%
Rank 1 of 235
Net Interest Margin
4.04%
Rank 92 of 235
Efficiency Ratio
39.94%
Rank 3 of 235
Equity / Assets
22.32%
Rank 39 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 3.94% | 0.17% | 0.57% | 1.10% | Beats 100% | 1 / 235 | |
| Return on Equity | 17.66% | 1.03% | 4.30% | 7.58% | Beats 99% | 3 / 235 | |
| Net Interest Margin | 4.04% | 3.32% | 3.89% | 4.35% | Beats 61% | 92 / 235 | |
| Efficiency Ratio | 39.94% | 70.60% | 82.00% | 91.57% | Beats 99% | 3 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.79% | 0.20% | 0.59% | 1.14% | Beats 5% | 224 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 22.32% | 11.30% | 14.41% | 19.49% | Beats 83% | 39 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 22.32% | 11.30% | 14.41% | 19.49% | Beats 83% | 39 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 98.68% | 54.18% | 67.38% | 81.66% | 98th pctl | 5 / 235 | |
| Loans / Assets | 74.54% | 43.80% | 56.63% | 68.64% | 86th pctl | 32 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |