PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Star USA

Charleston, WV · Charter 911

NCUA · 5 branches

Q2 2026

$153.0MAssets
$106.7MLoans
$129.0MShares
$16.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.70%, up 142 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 0.98% of loans (-28 bps YoY).
  • Capital: net worth / assets of 10.61%, up 79 bps from a year ago.
  • Funding: loans stand at 82.67% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.70%+142 bps YoY

Net Interest Margin (YTD, annualized)

4.04%+98 bps YoY

Efficiency Ratio (YTD, annualized)

83.48%-3,053 bps YoY

Net Worth / Assets

10.61%+79 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.72%-0.43%-0.42%0.89%0.70%+142 bps
Return on Equity-7.31%-4.30%-4.18%8.76%6.57%+1,387 bps
Net Interest Margin3.07%3.27%3.26%4.27%4.04%+98 bps
Efficiency Ratio114.01%104.75%102.29%81.78%83.48%-3,053 bps
Growth
Asset Growth (YoY)-5.23%-5.94%-4.50%-3.04%-4.76%+47 bps
Loan Growth (YoY)-4.67%-2.29%-3.07%-0.62%-2.17%+250 bps
Share Growth (YoY)-4.02%-4.80%-3.11%-3.69%-4.35%-33 bps
Asset Quality
Delinquent Loans / Loans1.26%1.23%1.24%1.10%0.98%-28 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.83%10.10%9.98%10.16%10.61%+79 bps
Net Worth / Assets9.83%10.10%9.98%10.16%10.61%+79 bps
Liquidity & Funding
Loans / Shares80.82%82.70%81.79%81.60%82.67%+185 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps