Federal credit union · El Paso, Texas · NCUA charter #856
Mountain Star
Health score 99/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 99
- Health / 100
- $45.5M
- Total assets
- 4,748
- Members
- 18.0%
- Net-worth ratio
Mountain Star scores 99/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $45.5M; members 4,748; net-worth ratio 18.00%; health rank #38 of 4,374; healthier than 98th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#38 of 4,374 health · 2025Q4Mountain Star · health 99/100 · $45.5M · 2025Q4
- NW 99/100
- DELQ 18.0%
- ROA 0.56%
- ASSETS 2.37%
- MEM $45.5M
- RANK 4,748
- PHOTO #38/4,374
- BOOK St. Tammany
- CHARTER 856
Call Report peers
Mountain Star in the assets neighbourhood
Mountain Star's $45.5M assets sit next to St. Tammany ($45.5M) 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.
Mountain 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
99 Top 2% higher than 98% 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
Mountain Star - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #856: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Mountain Star vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +27.53 pp (87.33% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Mountain Star in Texas
- Health composite ranks #3 of 386 among scored Texas credit unions.
- By total assets, Mountain Star is #197 of 386 in Texas.
- Texas membership ordinal: #180 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Mountain Star
Mountain Star: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $45.5M (2025Q4) to $46.6M (2026Q1).
- Net-worth ratio shifted -0.28 pp (18.28% → 18.00%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
18.00% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 99/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 99.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.4 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.00% | +3.14 pp |
| Delinquency Rate | 0.56% | -0.59 pp |
| Return on Assets | 2.37% | +1.67 pp |
| Member Growth | 9.50% | - |
| Loan-to-Share Ratio | 87.33% | +27.53 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Mountain Star filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $46.6M | - |
| 2025Q4 | $45.5M | 4,748 |
| 2024Q4 | $41.6M | 4,336 |
| 2023Q4 | $41.8M | 4,132 |
Credit Union Details
- Charter Number
- 856
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- El Paso
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Mountain Star, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Main (Main Office) | El Paso, TX |
| Las Cruces Branch | Las Cruces, NM |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Other-state peers near Mountain Star
Mountain Star's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($45.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (99/100 here).
Using this data
- Mountain Star ranks #38 of 4,374 nationally on financial health and #3 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cherokee County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cherokee County
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas 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 Mountain Star financially healthy?
Yes/no aside, the number is 99/100 (Excellent) - Mountain Star's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #38 of 4,374; by total assets it ranks #2,476 of 4,374 nationally (same basis as /rankings/largest); and #197 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 18.00% net worth ratio and 0.56% delinquency rate are the key drivers.
How does Mountain Star compare to other credit unions?
Mountain Star scores 99/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Mountain Star?
Mountain Star operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Mountain Star directly for the exact boundaries and application steps.
Is my money safe at Mountain Star?
Federal credit unions like Mountain 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. Mountain Star's net worth ratio of 18.00% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mountain Star offer compared to banks?
Credit unions like Mountain 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 Mountain 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.