Federal credit union · San Jose, California · NCUA charter #24299
Mirastar
Health score 92/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $1.02B
- Total assets
- 48,878
- Members
- 9.7%
- Net-worth ratio
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 - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)98
- Asset quality (delinquency)81
- Earnings (ROA)100
- Member growth82
- Liquidity (loan-to-share)98
Weighted composite: 92/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.74%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.74% | 30% |
| Delinquency Rate | 0.98% | 25% |
| Return on Assets | 0.57% | 15% |
| Member Growth | 2.78% | 15% |
| Loan-to-Share Ratio | 68.94% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Mirastar
The five-factor composite scores Mirastar at 92/100 (Excellent), reflecting a net worth ratio of 9.74% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in San Jose, California, reports 48,878 members, $1.02B in total assets, and $621.8M in outstanding loans as of Q4 2025 under charter #24299 (peer group Over $500M, a cohort of 749 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 0.98% measures loans 60+ days past due against total loans outstanding - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. The loan-to-share ratio of 68.94% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.57% on net income of $5.9M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 2.78%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Multiple Common Bond) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Mirastar financially healthy?
A 9.74% 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. 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 9.74% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.