State credit union · Houston, Texas · NCUA charter #67660
Southern Star
Health score 60/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 60
- Health / 100
- $18.5M
- Total assets
- 2,760
- Members
- 13.3%
- Net-worth ratio
Southern Star scores 60/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $18.5M; members 2,760; net-worth ratio 13.29%; health rank #4,058 of 4,374; healthier than 7th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,058 of 4,374 health · 2025Q4Southern Star · health 60/100 · $18.5M · 2025Q4
Call Report peers
Southern Star in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Southern Star vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Southern Star sits in 60-64 with 179 others.
60 7th percentile higher than 7% 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
Southern Star vs $10M–$50M peers
- Loan-to-Share Ratio trails the peer set - 57.03% here, 59.80% peer average (-2.77 pp).
Texas standing for Southern Star
- In Texas, health place is #359 of 386 on the same NCUA-ratio sort used nationally.
- Texas assets place: #263 of 386.
- Membership ranks #225 of 386 among Texas CUs with a reported count (2,760 members).
- One place up in Texas, Texas People (#358) ties at 60/100; one place down, Pilgrim Cucc (#360) ties at 60/100.
Southern Star: 2025Q4 → 2026Q1
Southern Star: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.8% from $18.5M (2025Q4) to $18.0M (2026Q1).
- Net-worth ratio shifted +0.20 pp (13.09% → 13.29%).
At 13.29%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 60/100 score is built
Southern Star gives up 40 points in total. Delinquency Rate costs the most, 13.5 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 11.5 pts
- Return on Assets 3.1 pts
- Member Growth 2.9 pts
- Loan-to-Share Ratio 12.5 pts
Call Report ratios for Southern Star
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.29% | -1.57 pp |
| Delinquency Rate | 2.17% | +1.02 pp |
| Return on Assets | -0.16% | -0.86 pp |
| Member Growth | -3.40% | - |
| Loan-to-Share Ratio | 57.03% | -2.77 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $18.0M | - |
| 2025Q4 | $18.5M | 2,760 |
| 2024Q4 | $18.5M | 2,857 |
| 2023Q4 | $18.8M | 2,947 |
Credit Union Details
- Charter Number
- 67660
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Southern Star.
| Office | City |
|---|---|
| Southern Star Credit Union (Main Office) | Houston, TX |
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.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- Southern Star ranks #4,058 of 4,374 nationally on financial health and #359 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cowboy Country is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cowboy Country
Frequently Asked Questions
Is Southern Star financially healthy?
Southern Star has a financial health score of 60/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,058 of 4,374 nationally on health and #359 of 386 in Texas. Its net worth ratio is 13.29% and its delinquency rate 2.17%.
How does Southern Star compare to other credit unions?
Southern Star scores 60/100, higher than 7% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (57.03% vs 59.80%).
How can I join Southern Star?
Membership eligibility for Southern Star depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Southern Star directly for current membership requirements and application steps.
Is my money safe at Southern Star?
Southern 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. Southern Star's net worth ratio of 13.29% 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.