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
Call Report peers
MIRASTAR in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); MIRASTAR sits in 90-94 with 747 others.
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 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).
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.
- One place up in California, American First (#52) ties at 92/100; one place down, Modesto's First (#54) ties at 92/100.
Quarter path for MIRASTAR
MIRASTAR: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $1.02B (2025Q4) to $1.04B (2026Q1).
- Net-worth ratio shifted +0.01 pp (9.74% → 9.75%).
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
MIRASTAR gives up 8 points in total. Delinquency Rate costs the most, 4.8 of its 25; Return on Assets scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is MIRASTAR financially healthy?
MIRASTAR has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #840 of 4,374 nationally on health and #53 of 243 in California. Its net worth ratio is 9.75% and its delinquency rate 0.98%.
How does MIRASTAR compare to other credit unions?
MIRASTAR scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is return on assets (0.57% vs 0.51%). Its widest shortfall is loan-to-share ratio (68.94% vs 83.90%).
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?
MIRASTAR is a federal 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. MIRASTAR's net worth ratio of 9.75% 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.