MIRASTAR

Charter #24299 | CA

750M-1B (112 CUs) Community (281 CUs)
15 750M-1B in CA

MIRASTAR has 7 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 15.6% in tier
  • + Organic Growth Leader: Top 26.0% in tier
  • + Wallet Share Momentum: Top 29.5% in tier
  • + Organic Growth Engine: Top 30.5% in tier
  • + Net Interest Margin 0.52% above tier average
  • + Total Deposits: Top 0.9% in tier
  • + Total Assets: Top 2.7% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 13.6% in tier
  • - Growth-at-Risk: Bottom 15.6% in tier
  • - Efficiency Drag: Bottom 21.7% in tier
  • - ROA 0.28% below tier average
  • - Efficiency ratio 6.18% above tier (higher cost structure)
  • - Delinquency rate 0.22% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 47,949
+1.2% YoY+0.9% QoQ
 -4.2K 52,114
-2.1% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 40th in tier
Assets $982.7M
-0.1% YoY+1.4% QoQ
 +$123.7M $859.0M
+0.0% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 Top 3.6% in tier
Loans $575.3M
+5.2% YoY+3.6% QoQ
 $-28.0M $603.4M
+1.0% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 35th in tier
Deposits $888.8M
+2.5% YoY+2.1% QoQ
 +$154.6M $734.2M
+0.9% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 Top 1.8% in tier
ROA 0.4%
-35.5% YoY-8.6% QoQ
 -0.3% 0.7%
+27.6% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 30th in tier
NIM 3.9%
+3.2% YoY-0.1% QoQ
 +0.5% 3.4%
+9.6% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Top 18.8% in tier
Efficiency Ratio 80.7%
+4.4% YoY-0.4% QoQ
 +6.2% 74.5%
-3.2% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 72nd in tier
Delinquency Rate 1.0%
+26.8% YoY+18.4% QoQ
 +0.2 0.8%
+5.0% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 72nd in tier
Loan To Share 64.7%
+2.7% YoY+1.4% QoQ
 -17.9% 82.7%
+0.1% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 Bottom 15.2% in tier
AMR $30,534
+2.3% YoY+1.8% QoQ
 +$2K $28,651
+2.5% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 68th in tier
CD Concentration 23.2%
+24.5% YoY+11.9% QoQ
 -1.2% 24.4%
+4.2% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 46th in tier
Indirect Auto % 5.3%
+5.7% YoY-11.8% QoQ
 -8.6% 14.0%
-5.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 46th in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth
#432 of 1006 • Top 15.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.31%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $4.2K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Organic Growth Leader

growth
#344 of 430 • Top 26.0% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.19%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Wallet Share Momentum

growth
#813 of 1006 • Top 29.5% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.31%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Organic Growth Engine

growth
#560 of 603 • Top 30.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.19%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.43%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 5.33%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Concerns (3)

Credit Quality Pressure

risk
#338 of 736 • Bottom 13.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.22% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Growth-at-Risk

risk
#234 of 446 • Bottom 15.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 5.23%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.22% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank improving

Efficiency Drag

risk
#384 of 521 • Bottom 21.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 80.70%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.23% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 1.19%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 112 peers in tier

Top Strengths (4 metrics)

2
Total Deposits
balance_sheet
Value: $888.75M
Peer Avg: $734.17M
#2 of 112 Top 0.9% in 750M-1B tier
4
Total Assets
balance_sheet
Value: $982.70M
Peer Avg: $859.01M
#4 of 112 Top 2.7% in 750M-1B tier
21
Net Interest Margin (NIM)
profitability
Value: 3.89%
Peer Avg: 3.38%
#21 of 112 Top 17.9% in 750M-1B tier
26
Share Certificate Concentration (%)
balance_sheet
Value: 23.24%
Peer Avg: 28.34%
#26 of 112 Top 22.3% in 750M-1B tier

Top Weaknesses (2 metrics)

95
Loan-to-Share Ratio
balance_sheet
Value: 64.73%
Peer Avg: 82.66%
#95 of 112 Bottom 16.1% in 750M-1B tier
88
Asset Growth Rate
growth
Value: -0.09%
Peer Avg: 4.25%
#88 of 112 Bottom 22.3% in 750M-1B tier