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
- RANK 79/100
- PHOTO 10.6%
- BOOK 1.44%
- CHARTER 0.49%
- NCUSIF $49.1M
- CAMELS 3,345
- HEALTH #2,879/4,374
- NW Indiana Heartland
- DELQ 68300
Call Report peers
Star Financial in the assets neighbourhood
Star Financial's $49.1M assets sit next to Indiana Heartland ($49.1M) 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.
Star Financial 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
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
Star Financial - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68300 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Star Financial diverges from peer averages
- Largest lag: Net Worth Ratio at 10.59% vs peer 14.86% (-4.27 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 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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Star Financial Call Report trajectory
Star Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $49.1M (2025Q4) to $50.6M (2026Q1).
- Net-worth ratio shifted -0.27 pp (10.86% → 10.59%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- 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 |
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).
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
Two NCUA Call Report peer sets for Star Financial, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($49.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
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'
- 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 Star Financial financially healthy?
Yes/no aside, the number is 79/100 (Very Good) - Star Financial'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 #2,879 of 4,374; by total assets it ranks #2,414 of 4,374 nationally (same basis as /rankings/largest); and #194 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.59% net worth ratio and 1.44% delinquency rate are the key drivers.
How does Star Financial compare to other credit unions?
Star Financial scores 79/100 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 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?
Federal credit unions like Star Financial 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. Star Financial's net worth ratio of 10.59% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Star Financial offer compared to banks?
Credit unions like Star Financial 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 Star Financial 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.