Star USA
Charleston, WV · Charter 911 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$153.0MAssets
$106.7MLoans
$129.0MShares
$16.2MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 62% of credit unions under $1B in assets (rank 635 of 1683).
- Widest gap: equity / assets trails 73% of credit unions under $1B in assets (rank 1236 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.70%
Rank 889 of 1,683
Net Interest Margin
4.04%
Rank 635 of 1,683
Efficiency Ratio
83.48%
Rank 1,115 of 1,682
Equity / Assets
10.61%
Rank 1,236 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.70% | 0.35% | 0.74% | 1.18% | Beats 47% | 889 / 1,683 | |
| Return on Equity | 6.57% | 2.67% | 5.89% | 8.74% | Beats 57% | 727 / 1,681 | |
| Net Interest Margin | 4.04% | 3.31% | 3.82% | 4.32% | Beats 62% | 635 / 1,683 | |
| Efficiency Ratio | 83.48% | 68.91% | 78.20% | 86.93% | Beats 34% | 1,115 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.98% | 0.26% | 0.65% | 1.29% | Beats 34% | 1,115 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.61% | 10.44% | 12.89% | 16.53% | Beats 27% | 1,236 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.61% | 10.44% | 12.89% | 16.53% | Beats 27% | 1,236 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 82.67% | 52.61% | 69.38% | 83.50% | 74th pctl | 436 / 1,683 | |
| Loans / Assets | 69.74% | 44.71% | 59.18% | 70.72% | 73rd pctl | 455 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |