BlastPoint's Credit Union Scorecard
STAR USA
Charter #911 · WV
STAR USA has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.29% above tier average
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.18% below tier average
- - Efficiency ratio 6.75% above tier (higher cost structure)
- - Delinquency rate 0.10% above tier average
- - Member decline: -9.5% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 8 that size in West Virginia.
- Shares and deposits -4.4% year over year ($129M in shares and deposits).
- Membership: 13,509 members, -9.5% vs a year ago.
- Delinquency rate 0.98%.
- Return on assets 0.69%.
- Efficiency ratio 83.48% vs a 76.73% peer average.
- Loan-to-share ratio 82.67% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,509
-9.5% YoY-1.5% QoQ
|
-1.7K |
15,168
-2.6% YoY
|
5,079
-0.5% YoY
|
34,678
+6.6% YoY
|
51% |
| Assets |
$153.0M
-4.8% YoY-3.2% QoQ
|
$-79.1M |
$232.0M
+0.7% YoY
|
$71.2M
+3.6% YoY
|
$593.1M
+10.2% YoY
|
32% |
| Loans |
$106.7M
-2.2% YoY-1.1% QoQ
|
$-39.6M |
$146.3M
+0.2% YoY
|
$38.5M
+1.2% YoY
|
$418.6M
+10.1% YoY
|
39% |
| Deposits |
$129.0M
-4.4% YoY-2.4% QoQ
|
$-71.7M |
$200.7M
+0.2% YoY
|
$60.8M
+2.9% YoY
|
$504.8M
+10.3% YoY
|
30% |
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| ROA |
0.7%
-196.2% YoY-23.0% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
1.1%
+25.0% YoY
|
1.2%
+121.4% YoY
|
44% |
| NIM |
4.0%
+30.7% YoY-6.8% QoQ
|
+0.3% |
3.7%
+4.5% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
69% |
| Efficiency Ratio |
83.5%
-26.8% YoY+2.1% QoQ
|
+6.7% |
76.7%
-0.8% YoY
|
78.0%
+6.1% YoY
|
83.0%
-5.3% YoY
|
71% |
| Delinquency Rate |
1.0%
-22.2% YoY-11.4% QoQ
|
+0.1 |
0.9%
+6.6% YoY
|
1.4%
+1.7% YoY
|
1.3%
+2.6% YoY
|
68% |
| Loan To Share |
82.7%
+2.3% YoY+1.3% QoQ
|
+11.1% |
71.5%
-0.3% YoY
|
58.3%
-3.5% YoY
|
66.4%
-1.4% YoY
|
71% |
| AMR |
$17,448
+6.8% YoY-0.4% QoQ
|
$-8K |
$25,107
+3.2% YoY
|
$15,001
+0.4% YoY
|
$20,028
-0.9% YoY
|
18% |
| CD Concentration |
19.4%
+10.2% YoY+6.1% QoQ
|
-5.1% | 24.6% | 16.8% | 20.0% | 50% |
| Indirect Auto % |
12.0%
-36.6% YoY-10.0% QoQ
|
-1.6% | 13.6% | 1.9% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)