Federal credit union · Charleston, West Virginia · NCUA charter #911
Star USA
Health score 66/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $157.3M
- Total assets
- 14,135
- Members
- 10.2%
- Net-worth ratio
Star USA scores 66/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $157.3M; members 14,135; net-worth ratio 10.16%; health rank #3,828 of 4,374; healthier than 12th of scored peers.
Federal Call Report extract
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Star USA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Star USA sits in 65-69 with 275 others.
66 12th percentile higher than 12% 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 USA
- Loan-to-Share Ratio leads the peer set - 81.79% here, 72.20% peer average (+9.59 pp).
- Largest lag: Net Worth Ratio at 10.16% vs peer 12.11% (-1.95 pp).
West Virginia standing for Star USA
- In West Virginia, health place is #68 of 74 on the same NCUA-ratio sort used nationally.
- By total assets, Star USA is #7 of 74 in West Virginia.
- West Virginia membership ordinal: #6 of 74.
- One place up in West Virginia, Willow Island (#67) scores 67/100, 1 point higher; one place down, RAVENSWOOD (#69) ties at 66/100.
Star USA Call Report trajectory
Star USA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $157.3M (2025Q4) to $158.0M (2026Q1).
- Net-worth ratio shifted +0.18 pp (9.98% → 10.16%).
This credit union's 10.16% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 66/100 score is built
Star USA gives up 34 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.2 pts
- Return on Assets 3.2 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.6 pts
Star USA health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.16% | -1.95 pp |
| Delinquency Rate | 1.24% | +0.34 pp |
| Return on Assets | -0.15% | -0.77 pp |
| Member Growth | -8.04% | - |
| Loan-to-Share Ratio | 81.79% | +9.59 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Star USA quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $158.0M | - |
| 2025Q4 | $157.3M | 14,135 |
| 2024Q4 | $164.7M | 15,371 |
| 2023Q4 | $173.0M | 15,244 |
Credit Union Details
- Charter Number
- 911
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- West Virginia
- City
- Charleston
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for Star USA, spread across 5 cities.
| Office | City |
|---|---|
| Star USA - Main Office (Main Office) | Charleston, WV |
| Beckley Office | Beckley, WV |
| Huntington | Huntington, WV |
| Huntington VA | Huntington, WV |
| Teays Valley | Hurricane, WV |
| Summersville Office | Summersville, WV |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in West Virginia
A look at other West Virginia credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- Star USA ranks #3,828 of 4,374 nationally on financial health and #68 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- West Virginia is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with West Virginia
Frequently Asked Questions
Is Star USA financially healthy?
On its 2025Q4 NCUA 5300 filing, Star USA scores 66/100 (Good), with a 10.16% net worth ratio and 1.24% of loans delinquent. It ranks #3,828 of 4,374 nationally on health and #68 of 74 in West Virginia.
How does Star USA compare to other credit unions?
Star USA scores 66/100, higher than 12% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (81.79% vs 72.20%). Its widest shortfall is net worth ratio (10.16% vs 12.11%).
How can I join Star USA?
Star USA operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Star USA directly for the exact boundaries and application steps.
Is my money safe at Star USA?
Star USA is a federal 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 USA's net worth ratio of 10.16% 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.