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
Call Report peers
Five Star in the assets neighbourhood
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
Five Star sits in the busiest band, 85-89, alongside 857 other credit unions.
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 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).
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.
- One place up in Alabama, CHATTAHOOCHEE (#22) ties at 89/100; one place down, America's First (#24) ties at 89/100.
How Five Star's 5300 filing moved
Five Star: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $1.24B (2025Q4) to $1.25B (2026Q1).
- Net-worth ratio shifted +0.08 pp (13.52% → 13.60%).
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
Five Star gives up 11 points in total. Delinquency Rate costs the most, 6.7 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Five Star financially healthy?
Five Star has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,233 of 4,374 nationally on health and #23 of 89 in Alabama. Its net worth ratio is 13.60% and its delinquency rate 1.22%.
How does Five Star compare to other credit unions?
Five Star scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (13.60% vs 11.18%). Its widest shortfall is loan-to-share ratio (78.45% vs 83.90%).
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?
Five Star is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.