FIVE STAR

Charter #68302 | AL

1B-3B (304 CUs) Mid-Market (380 CUs)
10 1B-3B in AL

FIVE STAR has 7 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 10.4% in tier
  • + Organic Growth Engine: Top 14.9% in tier
  • + Organic Growth Leader: Top 23.0% in tier
  • + Relationship Depth Leader: Top 28.4% in tier
  • + Wallet Share Momentum: Top 36.4% in tier
  • + ROA 0.21% above tier average
  • + Fee Income Per Member: Top 5.6% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 1.3% in tier
  • - Growth-at-Risk: Bottom 8.1% in tier
  • - Liquidity Overhang: Bottom 9.0% in tier
  • - Delinquency rate 0.68% above tier average
  • - Share Certificate Concentration (%): Bottom 3.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Members 66,407
+2.2% YoY+0.7% QoQ
 -32.3K 98,678
-1.9% YoY
 29,240
-2.8% YoY
 33,089
+6.1% YoY
 Bottom 21.1% in tier
Assets $1.2B
+3.2% YoY+0.7% QoQ
 $-494.7M $1.7B
+0.5% YoY
 $436.7M
+7.4% YoY
 $547.7M
+7.8% YoY
 Bottom 24.3% in tier
Loans $793.4M
+3.5% YoY+4.5% QoQ
 $-439.7M $1.2B
+0.5% YoY
 $258.0M
+6.8% YoY
 $388.7M
+8.6% YoY
 Bottom 15.1% in tier
Deposits $1.1B
+2.2% YoY-0.0% QoQ
 $-393.0M $1.5B
+1.3% YoY
 $382.5M
+6.8% YoY
 $464.6M
+9.3% YoY
 27th in tier
ROA 0.9%
+265.7% YoY+10.1% QoQ
 +0.2% 0.7%
+13.4% YoY
 0.8%
+31.6% YoY
 0.7%
+273.4% YoY
 69th in tier
NIM 3.2%
+17.0% YoY+1.6% QoQ
 -0.1% 3.3%
+9.3% YoY
 3.7%
+6.4% YoY
 3.7%
+5.0% YoY
 40th in tier
Efficiency Ratio 72.8%
-7.9% YoY-1.2% QoQ
 -1.1% 74.0%
-10.9% YoY
 76.4%
-6.2% YoY
 79.1%
-3.3% YoY
 40th in tier
Delinquency Rate 1.5%
+117.0% YoY-8.3% QoQ
 +0.7 0.8%
+6.1% YoY
 1.7%
+18.9% YoY
 1.2%
-0.9% YoY
 Top 11.2% in tier
Loan To Share 74.8%
+1.3% YoY+4.5% QoQ
 -10.4% 85.2%
-0.8% YoY
 60.8%
-1.6% YoY
 68.0%
-1.7% YoY
 Bottom 21.4% in tier
AMR $27,930
+0.5% YoY+1.1% QoQ
 $-1K $29,172
+2.8% YoY
 $17,062
+2.3% YoY
 $19,418
+1.3% YoY
 54th in tier
CD Concentration 48.4%
+5.0% YoY+0.9% QoQ
 +19.4% 29.0%
+0.8% YoY
 20.8%
+2.9% YoY
 19.6%
+6.2% YoY
 Top 3.7% in tier
Indirect Auto % 0.2%
-60.6% YoY-24.9% QoQ
 -18.6% 18.8%
-2.8% YoY
 5.4%
-6.7% YoY
 7.9%
-2.9% YoY
 Bottom 13.7% in tier

Signature Analysis

Strengths (5)

Emerging Performer

growth
#56 of 184 • Top 10.4% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.91%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): 2.24%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank improving

Organic Growth Engine

growth
#109 of 246 • Top 14.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.24%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.91%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.20%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Organic Growth Leader

growth
#91 of 138 • Top 23.0% in tier

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

Why This Signature
Member Growth (YoY): 2.24%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#206 of 264 • Top 28.4% in tier

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

Why This Signature
AMR Growth (YoY): 0.50%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.2K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#264 of 264 • Top 36.4% in tier

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

Why This Signature
AMR Growth (YoY): 0.50%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (3)

Credit Quality Pressure

risk
#11 of 217 • Bottom 1.3% in tier

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

Why This Signature
Delinquency Change (YoY): 0.81% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Growth-at-Risk

risk
#46 of 161 • Bottom 8.1% in tier

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

Why This Signature
Loan Growth (YoY): 3.52%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.81% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank worsening

Liquidity Overhang

risk
#30 of 113 • Bottom 9.0% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.46%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 74.75%
(Tier: 86.35%, National: 67.96%)
worse than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank improving

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 304 peers in tier

Top Strengths (3 metrics)

18
Fee Income Per Member
profitability
Value: $341.68
Peer Avg: $210.52
#18 of 304 Top 5.6% in 1B-3B tier
42
Net Worth Ratio
risk
Value: 13.46%
Peer Avg: 11.44%
#42 of 304 Top 13.5% in 1B-3B tier
48
Indirect Auto Concentration (%)
balance_sheet
Value: 0.20%
Peer Avg: 18.32%
#48 of 304 Top 15.5% in 1B-3B tier

Top Weaknesses (7 metrics)

295
Share Certificate Concentration (%)
balance_sheet
Value: 48.41%
Peer Avg: 28.53%
#295 of 304 Bottom 3.3% in 1B-3B tier
271
Total Delinquency Rate (60+ days)
risk
Value: 1.51%
Peer Avg: 0.83%
#271 of 304 Bottom 11.2% in 1B-3B tier
260
Members Per Employee (MPE)
engagement
Value: 285.009
Peer Avg: 364.953
#260 of 304 Bottom 14.8% in 1B-3B tier
258
Total Loans
balance_sheet
Value: $793.39M
Peer Avg: $1.23B
#258 of 304 Bottom 15.5% in 1B-3B tier
240
Total Members
engagement
Value: 66,407
Peer Avg: 98,678
#240 of 304 Bottom 21.4% in 1B-3B tier
239
Loan-to-Share Ratio
balance_sheet
Value: 74.75%
Peer Avg: 85.19%
#239 of 304 Bottom 21.7% in 1B-3B tier
230
Total Assets
balance_sheet
Value: $1.22B
Peer Avg: $1.72B
#230 of 304 Bottom 24.7% in 1B-3B tier