State credit union · austin, Texas · NCUA charter #67512
Star of Texas
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $67.3M
- Total assets
- 2,883
- Members
- 21.8%
- Net-worth ratio
Star of Texas scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $67.3M; members 2,883; net-worth ratio 21.76%; health rank #2,374 of 4,374; healthier than 43rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,374 of 4,374 health · 2025Q4Star of Texas · health 82/100 · $67.3M · 2025Q4
- NCUSIF 82/100
- CAMELS 21.8%
- HEALTH 1.93%
- NW 2.95%
- DELQ $67.3M
- ROA 2,883
- ASSETS #2,374/4,374
- MEM Nucor Employee's
- RANK 67512
Call Report peers
Star of Texas in the assets neighbourhood
Star of Texas's $67.3M assets sit next to Nucor Employee's ($67.3M) 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 of Texas 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
82 43rd percentile higher than 43% 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 of Texas - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67512: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where Star of Texas diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 100.67% here, 62.60% peer average (+38.07 pp).
- Largest lag: Delinquency Rate at 1.93% vs peer 0.96% (+0.96 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Star of Texas in Texas
- Texas health ordinal: #214 of 386.
- Texas assets place: #176 of 386.
- Texas membership ordinal: #219 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 of Texas: 2025Q4 → 2026Q1
Star of Texas: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $67.3M (2025Q4) to $68.3M (2026Q1).
- Net-worth ratio shifted +0.12 pp (21.64% → 21.76%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 21.76%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 13.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.6 pts
- Loan-to-Share Ratio 10.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.76% | +8.14 pp |
| Delinquency Rate | 1.93% | +0.96 pp |
| Return on Assets | 2.95% | +2.30 pp |
| Member Growth | 3.85% | - |
| Loan-to-Share Ratio | 100.67% | +38.07 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Star of Texas filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $68.3M | - |
| 2025Q4 | $67.3M | 2,883 |
| 2024Q4 | $63.7M | 2,776 |
| 2023Q4 | $61.7M | 2,739 |
Credit Union Details
- Charter Number
- 67512
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Texas
- City
- austin
- Data Quarter
- 2025Q4
Branch Location
Star of Texas operates a single office in austin, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Star of texas Credit Union (Main Office) | austin, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Star of Texas
Star of Texas's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($67.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- Star of Texas ranks #2,374 of 4,374 nationally on financial health and #214 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- South Texas is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with South Texas
- 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 of Texas financially healthy?
Yes/no aside, the number is 82/100 (Excellent) - Star of Texas'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 #2,374 of 4,374; by total assets it ranks #2,172 of 4,374 nationally (same basis as /rankings/largest); and #176 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 21.76% net worth ratio and 1.93% delinquency rate are the key drivers.
How does Star of Texas compare to other credit unions?
82/100 is Star of Texas's score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 Star of Texas?
Membership eligibility for Star of Texas depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Star of Texas directly for current membership requirements and application steps.
Is my money safe at Star of Texas?
Federal credit unions like Star of Texas 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 of Texas's net worth ratio of 21.76% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Star of Texas offer compared to banks?
Credit unions like Star of Texas 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 of Texas 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.