BlastPoint's Credit Union Scorecard
STAR FINANCIAL
Charter #68300 · TX
STAR FINANCIAL has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.58% above tier average
- + Fee Income Per Member: Top 3.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.45% below tier average
- - Member decline: -2.0% YoY
- - Net Charge-Off Rate: Bottom 5.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,345
-2.0% YoY-0.6% QoQ
|
+729 |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
72% |
| Assets |
$49.1M
-2.2% YoY+0.8% QoQ
|
+$18.9M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
77% |
| Loans |
$24.2M
-3.9% YoY-1.0% QoQ
|
+$8.4M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
76% |
| Deposits |
$43.2M
-2.9% YoY+0.4% QoQ
|
+$17.5M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
77% |
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| ROA |
0.2%
-64.7% YoY+6.0% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
24% |
| NIM |
4.5%
+1.7% YoY-1.1% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
74% |
| Efficiency Ratio |
79.0%
+1.1% YoY+0.8% QoQ
|
-3.6% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
49% |
| Delinquency Rate |
1.4%
-11.1% YoY-34.3% QoQ
|
-0.1 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
71% |
| Loan To Share |
56.0%
-1.0% YoY-1.4% QoQ
|
-4.6% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
43% |
| AMR |
$20,130
-1.2% YoY+0.5% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
79% |
| CD Concentration |
9.2%
+16.7% YoY+0.6% QoQ
|
-15.2% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)