Federal credit union · San Jose, California · NCUA charter #24299
MIRASTAR
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $1.02B
- Total assets
- 48,878
- Members
- 9.8%
- Net-worth ratio
MIRASTAR scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.02B; members 48,878; net-worth ratio 9.75%; health rank #840 of 4,374; healthier than 80th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#840 of 4,374 health · 2025Q4MIRASTAR · health 92/100 · $1.02B · 2025Q4
- NW 92/100
- DELQ 9.8%
- ROA 0.98%
- ASSETS 0.57%
- MEM $1.02B
- RANK 48,878
- PHOTO #840/4,374
- BOOK Brazos Valley Schools
- CHARTER 24299
Call Report peers
MIRASTAR in the assets neighbourhood
MIRASTAR's $1.02B assets sit next to Brazos Valley Schools ($1.02B) 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.
MIRASTAR 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
92 Top 20% higher than 80% 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
MIRASTAR - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #24299 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
MIRASTAR vs Over $500M peers
- Largest favorable gap: Return on Assets at 0.57% vs peer 0.51% (+0.06 pp).
- Loan-to-Share Ratio trails the peer set - 68.94% here, 83.90% peer average (-14.96 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
MIRASTAR: in-state Call Report ranks
- California health ordinal: #53 of 243.
- Assets rank #65 of 243 inside California ($1.02B reported).
- California membership ordinal: #70 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for MIRASTAR
MIRASTAR: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $1.02B (2025Q4) to $1.04B (2026Q1).
- Net-worth ratio shifted +0.01 pp (9.74% → 9.75%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.75%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 29.4 pts
- Delinquency Rate 20.2 pts
- Return on Assets 15.0 pts
- Member Growth 12.3 pts
- Loan-to-Share Ratio 15.1 pts
MIRASTAR vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.75% | -1.43 pp |
| Delinquency Rate | 0.98% | +0.10 pp |
| Return on Assets | 0.57% | +0.06 pp |
| Member Growth | 2.78% | - |
| Loan-to-Share Ratio | 68.94% | -14.96 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).
MIRASTAR quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.04B | - |
| 2025Q4 | $1.02B | 48,878 |
| 2024Q4 | $962.8M | 47,555 |
| 2023Q4 | $977.2M | 47,327 |
Credit Union Details
- Charter Number
- 24299
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Over $500M
- State
- California
- City
- San Jose
- Data Quarter
- 2025Q4
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for MIRASTAR, spread across 3 cities.
| Office | City |
|---|---|
| Corporate Office (Main Office) | San Jose, CA |
| Campbell Branch | Campbell, CA |
| Gilroy Branch | Gilroy, CA |
| Almaden Branch | San Jose, CA |
| East San Jose Branch | San Jose, CA |
| West Hedding | San Jose, CA |
| Tasman | San Jose, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Cross-state Call Report peers for MIRASTAR
MIRASTAR's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.02B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- MIRASTAR ranks #840 of 4,374 nationally on financial health and #53 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- The Police is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with The Police
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California 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 MIRASTAR financially healthy?
A 9.75% net worth ratio and a 0.98% delinquency rate feed into MIRASTAR's financial health score of 92/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #840 of 4,374; by total assets it ranks #464 of 4,374 nationally (same basis as /rankings/largest); and #65 of 243 within California. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does MIRASTAR compare to other credit unions?
Five weighted metrics from NCUA filings produce MIRASTAR's 92/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 MIRASTAR?
MIRASTAR serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact MIRASTAR directly for the current list of qualifying groups.
Is my money safe at MIRASTAR?
Federal credit unions like MIRASTAR 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. MIRASTAR's net worth ratio of 9.75% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MIRASTAR offer compared to banks?
Credit unions like MIRASTAR 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 MIRASTAR 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.