State credit union · Dothan, Alabama · NCUA charter #68302
Five Star
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $1.24B
- Total assets
- 66,451
- Members
- 13.6%
- Net-worth ratio
Five Star scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.24B; members 66,451; net-worth ratio 13.60%; health rank #1,233 of 4,374; healthier than 69th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,233 of 4,374 health · 2025Q4Five Star · health 89/100 · $1.24B · 2025Q4
- NCUSIF 89/100
- CAMELS 13.6%
- HEALTH 1.22%
- NW 0.45%
- DELQ $1.24B
- ROA 66,451
- ASSETS #1,233/4,374
- MEM FIRSTMARK
- RANK 68302
Call Report peers
Five Star in the assets neighbourhood
Five Star's $1.24B assets sit next to FIRSTMARK ($1.24B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Five Star vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Five Star - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68302. See our deposit-insurance coverage note.
Five Star vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +2.42 pp (13.60% vs 11.18%).
- Loan-to-Share Ratio trails the peer set - 78.45% here, 83.90% peer average (-5.45 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Alabama standing for Five Star
- In Alabama, health place is #23 of 89 on the same NCUA-ratio sort used nationally.
- By total assets, Five Star is #10 of 89 in Alabama.
- Member book place in Alabama: #13 of 89.
In-state ordinals use the live credit_unions table for AL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Five Star's 5300 filing moved
Five Star: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $1.24B (2025Q4) to $1.25B (2026Q1).
- Net-worth ratio shifted +0.08 pp (13.52% → 13.60%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.60%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.3 pts
- Return on Assets 14.2 pts
- Member Growth 11.5 pts
- Loan-to-Share Ratio 15.0 pts
Five Star vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.60% | +2.42 pp |
| Delinquency Rate | 1.22% | +0.35 pp |
| Return on Assets | 0.45% | -0.06 pp |
| Member Growth | 2.08% | - |
| Loan-to-Share Ratio | 78.45% | -5.45 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.25B | - |
| 2025Q4 | $1.24B | 66,451 |
| 2024Q4 | $1.19B | 65,097 |
| 2023Q4 | $798.5M | 56,425 |
Credit Union Details
- Charter Number
- 68302
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Alabama
- City
- Dothan
- Data Quarter
- 2025Q4
Branch Locations (26)
The NCUA branch filing lists 26 physical offices for Five Star, spread across 20 cities in 2 states.
| Office | City |
|---|---|
| Five Star Credit Union (Main Office) | Dothan, AL |
| Five Star Credit Union | Bainbridge, GA |
| Five Star Credit Union | Blakely, GA |
| Five Star Credit Union | BLAKELY, GA |
| Five Star Credit Union | Cairo, GA |
| Five Star Credit Union | Camilla, GA |
| Five Star Credit Union | Cottonwood, AL |
| Five Star Credit Union | Donalsonville, GA |
| Five Star Credit Union | Dothan, AL |
| Five Star Credit Union | Dothan, AL |
| Five Star Credit Union | Dothan, AL |
| Five Star Credit Union | Dothan, AL |
| Five Star Credit Union | Dothan, AL |
| Five Star Credit Union | Enterprise, AL |
| Five Star Credit Union - Eufaula | Eufaula, AL |
| Five Star Credit Union | Georgetown, GA |
| Five Star Credit Union | Headland, AL |
| Five Star Credit Union | LEESBURG, GA |
| Five Star Credit Union | Lumpkin, GA |
| Five Star Credit Union- Macon Forsyth | MACON, GA |
| Five Star Credit Union-Macon | MACON, GA |
| Five Star Credit Union - Milan | MILAN, GA |
| Five Star Credit Union - Irwin | OCILLA, GA |
| Five Star Credit Union - Richland | Richland, GA |
| Five Star Credit Union - Roch | ROCHELLE, GA |
| Five Star Credit Union - SSI | St Simons Island, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
More federally-insured credit unions based in Alabama, ordered by peer group match and asset size.
Cross-state Call Report peers for Five Star
Two NCUA Call Report peer sets for Five Star, both outside Alabama so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.24B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- Five Star ranks #1,233 of 4,374 nationally on financial health and #23 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GUARDIAN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GUARDIAN
- Rates and health both vary by institution, not just by state -- see how Alabama credit unions compare overall before assuming this one is typical. Alabama state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Five Star financially healthy?
Five Star scores 89/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,233 of 4,374; by total assets it ranks #395 of 4,374 nationally (same basis as /rankings/largest); and #10 of 89 within Alabama. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.60% net worth ratio and a 1.22% delinquency rate.
How does Five Star compare to other credit unions?
Five Star scores 89/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Five Star?
Membership eligibility for Five Star depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Five Star directly for current membership requirements and application steps.
Is my money safe at Five Star?
Federal credit unions like Five Star are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Five Star's net worth ratio of 13.60% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Five Star offer compared to banks?
Credit unions like Five Star are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Five Star directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.