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
- CHARTER 60/100
- NCUSIF 13.3%
- CAMELS 2.17%
- HEALTH -0.16%
- NW $18.5M
- DELQ 2,760
- ROA #4,058/4,374
- ASSETS Eastern Panhandle
- MEM 67660
Call Report peers
Southern Star in the assets neighbourhood
Southern Star's $18.5M assets sit next to Eastern Panhandle ($18.5M) 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.
Southern 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
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 - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #67660. See our deposit-insurance coverage note.
Southern Star vs $10M–$50M peers
- Loan-to-Share Ratio trails the peer set - 57.03% here, 59.80% peer average (-2.77 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Southern Star: 2025Q4 → 2026Q1
Southern Star: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.8% from $18.5M (2025Q4) to $18.0M (2026Q1).
- Net-worth ratio shifted +0.20 pp (13.09% → 13.29%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 60.
- 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 |
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).
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
Cross-state asset and health neighbours for Southern Star - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($18.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (60/100 here).
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
- 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 Southern Star financially healthy?
Yes/no aside, the number is 60/100 (Good) - Southern 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 #4,058 of 4,374; by total assets it ranks #3,192 of 4,374 nationally (same basis as /rankings/largest); and #263 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.29% net worth ratio and 2.17% delinquency rate are the key drivers.
How does Southern Star compare to other credit unions?
60/100 is Southern Star's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like Southern 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. Southern Star's net worth ratio of 13.29% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Southern Star offer compared to banks?
Credit unions like Southern 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 Southern 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.