STAR ONE

Charter #68465 | CA

7B-10B (30 CUs) Large (64 CUs)
5 7B-10B in CA

STAR ONE has 11 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 11.1% in tier
  • + Wallet Share Momentum: Top 23.9% in tier
  • + Organic Growth Leader: Top 25.3% in tier
  • + Organic Growth Engine: Top 31.1% in tier
  • + Total Delinquency Rate (60+ days): Top 0.0% in tier
  • + Net Charge-Off Rate: Top 0.0% in tier
  • + Average Member Relationship (AMR): Top 0.0% in tier
  • + Loan-to-Member Ratio (LMR): Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 3.3% in tier
  • + Net Worth Ratio: Top 10.0% in tier
  • + Indirect Auto Concentration (%): Top 10.0% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 14.5% in tier
  • - ROA 0.71% below tier average
  • - Efficiency ratio 7.73% above tier (higher cost structure)
  • - Net Interest Margin (NIM): Bottom 3.3% in tier
  • - Asset Growth Rate: Bottom 3.3% in tier
  • - First Mortgage Concentration (%): Bottom 3.3% in tier
  • - Total Members: Bottom 3.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 131,454
+2.6% YoY+0.8% QoQ
 -327.8K 459,296
+3.8% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Bottom 0.0% in tier
Assets $9.0B
-7.9% YoY+1.7% QoQ
 +$59.3M $8.9B
+1.2% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 43rd in tier
Loans $6.3B
+5.7% YoY+0.2% QoQ
 $-74.9M $6.3B
+2.9% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 40th in tier
Deposits $7.7B
+6.2% YoY+2.2% QoQ
 +$199.9M $7.5B
+2.3% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 50th in tier
ROA 0.3%
+11.1% YoY+493.0% QoQ
 -0.7% 1.0%
+22.1% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Bottom 10.0% in tier
NIM 1.1%
+47.2% YoY+1.6% QoQ
 -1.9% 3.0%
+11.5% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Bottom 0.0% in tier
Efficiency Ratio 71.5%
+13.3% YoY-22.8% QoQ
 +7.7% 63.7%
-2.2% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 73rd in tier
Delinquency Rate 0.2%
-0.8% YoY-3.9% QoQ
 -0.5 0.7%
+10.8% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Bottom 0.0% in tier
Loan To Share 81.9%
-0.5% YoY-1.9% QoQ
 -3.6% 85.4%
+0.7% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 33rd in tier
AMR $105,892
+3.3% YoY+0.5% QoQ
 +$72K $33,660
-2.9% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Top 3.3% in tier
CD Concentration 5.7%
+9.0% YoY+0.5% QoQ
 -23.2% 28.9%
-1.3% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 Bottom 3.1% in tier
Indirect Auto % 2.9%
-12.9% YoY-4.4% QoQ
 -13.7% 16.6%
-10.3% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 Bottom 18.8% in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth
#14 of 46 • Top 11.1% in tier

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

Why This Signature
AMR Growth (YoY): 3.32%
(Tier: 2.82%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.4K
(Tier: $3.2K, National: $2.0K)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | New qualifier

Wallet Share Momentum

growth
#29 of 46 • Top 23.9% in tier

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

Why This Signature
AMR Growth (YoY): 3.32%
(Tier: 2.82%, National: 4.19%)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | New qualifier

Organic Growth Leader

growth
#22 of 28 • Top 25.3% in tier

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

Why This Signature
Member Growth (YoY): 2.57%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
28 of 64 Large CUs have this signature | 608 nationally
→ Stable (28→28 CUs) | Rank worsening

Organic Growth Engine

growth
#47 of 50 • Top 31.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.57%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.32%
(Tier: 0.91%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 2.87%
(Tier: 16.60%, National: 7.90%)
better than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY | Rank worsening

Concerns (1)

Liquidity Overhang

risk
#9 of 24 • Bottom 14.5% 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: 14.93%
(Tier: 11.62%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 81.88%
(Tier: 84.48%, National: 67.96%)
worse than tier avg
24 of 64 Large CUs have this signature | 691 nationally
↑ Growing +7 CUs YoY

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 30 peers in tier

Top Strengths (8 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.15%
Peer Avg: 0.67%
#1 of 30 Top 0.0% in 7B-10B tier
1
Net Charge-Off Rate
risk
Value: 0.05%
Peer Avg: 0.56%
#1 of 30 Top 0.0% in 7B-10B tier
1
Average Member Relationship (AMR)
engagement
Value: $105,892
Peer Avg: $33,660
#1 of 30 Top 0.0% in 7B-10B tier
1
Loan-to-Member Ratio (LMR)
engagement
Value: $47,670
Peer Avg: $15,544
#1 of 30 Top 0.0% in 7B-10B tier
2
Share Certificate Concentration (%)
balance_sheet
Value: 5.71%
Peer Avg: 26.92%
#2 of 30 Top 3.3% in 7B-10B tier
4
Net Worth Ratio
risk
Value: 14.93%
Peer Avg: 12.36%
#4 of 30 Top 10.0% in 7B-10B tier
4
Indirect Auto Concentration (%)
balance_sheet
Value: 2.87%
Peer Avg: 18.85%
#4 of 30 Top 10.0% in 7B-10B tier
8
Members Per Employee (MPE)
engagement
Value: 507.544
Peer Avg: 450.512
#8 of 30 Top 23.3% in 7B-10B tier

Top Weaknesses (6 metrics)

30
Net Interest Margin (NIM)
profitability
Value: 1.07%
Peer Avg: 3.00%
#30 of 30 Bottom 3.3% in 7B-10B tier
30
Asset Growth Rate
growth
Value: -7.93%
Peer Avg: 2.91%
#30 of 30 Bottom 3.3% in 7B-10B tier
30
First Mortgage Concentration (%)
balance_sheet
Value: 81.60%
Peer Avg: 38.48%
#30 of 30 Bottom 3.3% in 7B-10B tier
30
Total Members
engagement
Value: 131,454
Peer Avg: 459,296
#30 of 30 Bottom 3.3% in 7B-10B tier
27
Return on Assets (ROA)
profitability
Value: 0.32%
Peer Avg: 1.03%
#27 of 30 Bottom 13.3% in 7B-10B tier
27
Fee Income Per Member
profitability
Value: $139.87
Peer Avg: $199.46
#27 of 30 Bottom 13.3% in 7B-10B tier