STAR USA

Charter #911 | WV

100M-500M (1077 CUs) Micro
8 100M-500M in WV

STAR USA has 2 strengths but faces 13 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 25.8% in tier
  • + Relationship Depth Leader: Top 34.2% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 4.5% in tier
  • - Efficiency Drag: Bottom 13.1% in tier
  • - Institutional Decline: Bottom 14.6% in tier
  • - Stagnation Risk: Bottom 28.1% in tier
  • - Indirect Auto Dependency: Bottom 31.7% in tier
  • - ROA 1.22% below tier average
  • - Efficiency ratio 27.47% above tier (higher cost structure)
  • - Delinquency rate 0.37% above tier average
  • - Member decline: -6.5% YoY
  • - Asset Growth Rate: Bottom 2.7% in tier
  • - Deposit Growth Rate: Bottom 3.6% in tier
  • - Member Growth Rate: Bottom 6.4% in tier
  • - Fee Income Per Member: Bottom 8.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Members 14,351
-6.5% YoY-3.8% QoQ
 -1.3K 15,628
-3.4% YoY
 5,095
+0.6% YoY
 33,089
+6.1% YoY
 54th in tier
Assets $157.0M
-5.9% YoY-2.3% QoQ
 $-74.3M $231.3M
-0.0% YoY
 $68.6M
+3.5% YoY
 $547.7M
+7.8% YoY
 33rd in tier
Loans $108.6M
-2.3% YoY-0.4% QoQ
 $-39.2M $147.8M
-1.4% YoY
 $38.2M
+0.9% YoY
 $388.7M
+8.6% YoY
 40th in tier
Deposits $131.4M
-4.8% YoY-2.6% QoQ
 $-68.9M $200.3M
-0.0% YoY
 $58.7M
+3.0% YoY
 $464.6M
+9.3% YoY
 31st in tier
ROA -0.4%
+232.1% YoY-39.8% QoQ
 -1.2% 0.8%
+15.5% YoY
 1.0%
+49.4% YoY
 0.7%
+273.4% YoY
 Bottom 2.3% in tier
NIM 3.2%
+12.5% YoY+6.1% QoQ
 -0.4% 3.6%
+6.9% YoY
 3.9%
+3.9% YoY
 3.7%
+5.0% YoY
 29th in tier
Efficiency Ratio 104.8%
+3.6% YoY-8.1% QoQ
 +27.5% 77.3%
-3.0% YoY
 72.7%
-3.2% YoY
 79.1%
-3.3% YoY
 Top 1.5% in tier
Delinquency Rate 1.2%
-18.4% YoY-2.3% QoQ
 +0.4 0.9%
+7.6% YoY
 1.3%
-29.4% YoY
 1.2%
-0.9% YoY
 Top 21.6% in tier
Loan To Share 82.7%
+2.6% YoY+2.3% QoQ
 +10.0% 72.7%
-1.5% YoY
 60.8%
-6.8% YoY
 68.0%
-1.7% YoY
 70th in tier
AMR $16,724
+3.0% YoY+2.3% QoQ
 $-8K $24,363
+2.9% YoY
 $14,844
+2.4% YoY
 $19,418
+1.3% YoY
 Bottom 16.9% in tier
CD Concentration 18.0%
-0.5% YoY+2.0% QoQ
 -6.4% 24.4%
+4.2% YoY
 16.2%
+7.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 16.8%
-34.0% YoY-11.6% QoQ
 +2.8% 14.0%
-5.8% YoY
 2.3%
-13.6% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#711 of 1006 • Top 25.8% in tier

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

Why This Signature
AMR Growth (YoY): 3.01%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#943 of 1006 • Top 34.2% in tier

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

Why This Signature
AMR Growth (YoY): 3.01%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $1.5K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (5)

Membership Headwinds

decline
#75 of 550 • Bottom 4.5% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -6.49%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Efficiency Drag

risk
#232 of 521 • Bottom 13.1% in tier

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

Why This Signature
Efficiency Ratio: 104.75%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.30% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -6.49%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

Institutional Decline

decline
#116 of 256 • Bottom 14.6% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $156.97M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -6.49%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -2.29%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank improving

Stagnation Risk

risk
#463 of 550 • Bottom 28.1% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: -0.43%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -6.49%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $16.7K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 17.96%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#510 of 525 • Bottom 31.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): -5.94%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 16.78%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -6.49%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (10 metrics)

1062
Efficiency Ratio
profitability
Value: 104.75%
Peer Avg: 77.28%
#1062 of 1077 Bottom 1.5% in 100M-500M tier
1052
Return on Assets (ROA)
profitability
Value: -0.43%
Peer Avg: 0.79%
#1052 of 1077 Bottom 2.4% in 100M-500M tier
1049
Asset Growth Rate
growth
Value: -5.94%
Peer Avg: 4.70%
#1049 of 1077 Bottom 2.7% in 100M-500M tier
1039
Deposit Growth Rate
growth
Value: -4.80%
Peer Avg: 4.69%
#1039 of 1077 Bottom 3.6% in 100M-500M tier
1009
Member Growth Rate
growth
Value: -6.49%
Peer Avg: 0.72%
#1009 of 1077 Bottom 6.4% in 100M-500M tier
986
Fee Income Per Member
profitability
Value: $82.93
Peer Avg: $174.31
#986 of 1077 Bottom 8.5% in 100M-500M tier
895
Average Member Relationship (AMR)
engagement
Value: $16,724
Peer Avg: $24,363
#895 of 1077 Bottom 17.0% in 100M-500M tier
845
Total Delinquency Rate (60+ days)
risk
Value: 1.23%
Peer Avg: 0.86%
#845 of 1077 Bottom 21.6% in 100M-500M tier
838
First Mortgage Concentration (%)
balance_sheet
Value: 43.46%
Peer Avg: 30.43%
#838 of 1077 Bottom 22.3% in 100M-500M tier
820
Loan Growth Rate
growth
Value: -2.29%
Peer Avg: 3.45%
#820 of 1077 Bottom 24.0% in 100M-500M tier