State credit union · SUNNYVALE, California · NCUA charter #68465
Star One
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $9.35B
- Total assets
- 132,623
- Members
- 14.2%
- Net-worth ratio
Star One scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.35B; members 132,623; net-worth ratio 14.24%; health rank #349 of 4,374; healthier than 90th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#349 of 4,374 health · 2025Q4Star One · health 95/100 · $9.35B · 2025Q4
Call Report peers
Star One in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Star One vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Star One sits in 95-99 with 391 others.
95 Top 10% higher than 90% 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
Peer-gap read for Star One
- Net Worth Ratio leads the peer set - 14.24% here, 11.18% peer average (+3.06 pp).
- Largest lag: Loan-to-Share Ratio at 80.53% vs peer 83.90% (-3.37 pp).
California standing for Star One
- In California, health place is #28 of 243 on the same NCUA-ratio sort used nationally.
- California assets place: #7 of 243.
- California membership ordinal: #28 of 243.
- One place up in California, Va Desert Pacific (#27) ties at 95/100; one place down, San Francisco (#29) ties at 95/100.
Quarter path for Star One
Star One: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $9.35B (2025Q4) to $9.58B (2026Q1).
- Net-worth ratio shifted -0.29 pp (14.53% → 14.24%).
At 14.24%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 95/100 score is built
Star One gives up 5 points in total. Member Growth costs the most, 2.7 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.9 pts
- Member Growth 12.3 pts
- Loan-to-Share Ratio 14.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.24% | +3.06 pp |
| Delinquency Rate | 0.13% | -0.74 pp |
| Return on Assets | 0.36% | -0.15 pp |
| Member Growth | 2.74% | - |
| Loan-to-Share Ratio | 80.53% | -3.37 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Star One filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.58B | - |
| 2025Q4 | $9.35B | 132,623 |
| 2024Q4 | $9.45B | 129,085 |
| 2023Q4 | $9.90B | 126,042 |
Credit Union Details
- Charter Number
- 68465
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- SUNNYVALE
- Data Quarter
- 2025Q4
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for Star One, spread across 5 cities.
| Office | City |
|---|---|
| Main Office - Bordeaux (Main Office) | Sunnyvale, CA |
| Branch - De Anza | Cupertino, CA |
| Branch - San Antonio | Los Altos, CA |
| Branch - Blossom Hill | San Jose, CA |
| Branch - Stevens Creek | San Jose, CA |
| Branch - Big Basin | Saratoga, CA |
| Branch - Enterprise | Sunnyvale, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Star One
Similar total assets
Similar health score
Using this data
- Star One ranks #349 of 4,374 nationally on financial health and #28 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- San Diego County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with San Diego County
Frequently Asked Questions
Is Star One financially healthy?
On its 2025Q4 NCUA 5300 filing, Star One scores 95/100 (Excellent), with a 14.24% net worth ratio and 0.13% of loans delinquent. It ranks #349 of 4,374 nationally on health and #28 of 243 in California.
How does Star One compare to other credit unions?
Star One scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (14.24% vs 11.18%). Its widest shortfall is loan-to-share ratio (80.53% vs 83.90%).
How can I join Star One?
Membership eligibility for Star One depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Star One directly for current membership requirements and application steps.
Is my money safe at Star One?
Star One 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 One's net worth ratio of 14.24% 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.