State credit union · Corpus Christi, Texas · NCUA charter #68300
Star Financial
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $49.1M
- Total assets
- 3,345
- Members
- 10.6%
- Net-worth ratio
Star Financial scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $49.1M; members 3,345; net-worth ratio 10.59%; health rank #2,879 of 4,374; healthier than 33rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,879 of 4,374 health · 2025Q4Star Financial · health 79/100 · $49.1M · 2025Q4
Call Report peers
Star Financial in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Star Financial vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Star Financial sits in 75-79 with 502 others.
79 33rd percentile higher than 33% 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
Where Star Financial diverges from peer averages
- Largest lag: Net Worth Ratio at 10.59% vs peer 14.86% (-4.27 pp).
Texas standing for Star Financial
- Health composite ranks #256 of 386 among scored Texas credit unions.
- By total assets, Star Financial is #194 of 386 in Texas.
- Texas membership ordinal: #206 of 386.
- One place up in Texas, Security Service (#255) ties at 79/100; one place down, United Texas (#257) ties at 79/100.
Star Financial Call Report trajectory
Star Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.0% from $49.1M (2025Q4) to $50.6M (2026Q1).
- Net-worth ratio shifted -0.27 pp (10.86% → 10.59%).
10.59% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 79/100 score is built
Star Financial gives up 21 points in total. Member Growth costs the most, 9.7 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.7 pts
- Return on Assets 14.9 pts
- Member Growth 5.3 pts
- Loan-to-Share Ratio 12.1 pts
Star Financial health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.59% | -4.27 pp |
| Delinquency Rate | 1.44% | +0.29 pp |
| Return on Assets | 0.49% | -0.21 pp |
| Member Growth | -2.05% | - |
| Loan-to-Share Ratio | 55.98% | -3.82 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Star Financial quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $50.6M | - |
| 2025Q4 | $49.1M | 3,345 |
| 2024Q4 | $50.2M | 3,415 |
| 2023Q4 | $52.1M | 3,210 |
Credit Union Details
- Charter Number
- 68300
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Corpus Christi
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, Star Financial runs 4 offices in 3 different cities across 3 states.
| Office | City |
|---|---|
| McKinzie & Leopard (Main Office) | Corpus Christi, TX |
| DXC Technologies - Alpharetta | Alpharetta, GA |
| DXC Technologies - Colorado Springs | Colorado Springs, CO |
| Holly Road | Corpus Christi, 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.
Star Financial nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- Star Financial ranks #2,879 of 4,374 nationally on financial health and #256 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Lubrizol Employees' is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Lubrizol Employees'
Frequently Asked Questions
Is Star Financial financially healthy?
On its 2025Q4 NCUA 5300 filing, Star Financial scores 79/100 (Very Good), with a 10.59% net worth ratio and 1.44% of loans delinquent. It ranks #2,879 of 4,374 nationally on health and #256 of 386 in Texas.
How does Star Financial compare to other credit unions?
Star Financial scores 79/100, higher than 33% of the 4,374 scored credit unions. Its widest shortfall is net worth ratio (10.59% vs 14.86%).
How can I join Star Financial?
Membership eligibility for Star Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Star Financial directly for current membership requirements and application steps.
Is my money safe at Star Financial?
Star Financial 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. Star Financial's net worth ratio of 10.59% 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.