BlastPoint's Credit Union Scorecard
STAR USA
Charter #911 · WV
STAR USA faces 13 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
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
|
54% |
| 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
|
33% |
| 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
|
40% |
| 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
|
31% |
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| 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
|
29% |
| 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
|
78% |
| 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
|
70% |
| 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
|
17% |
| 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
|
50% |
| Indirect Auto % |
16.8%
-34.0% YoY-11.6% QoQ
|
+2.8% |
14.0%
-5.7% YoY
|
2.3%
-13.6% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (5)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)