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
NCUA 5300 Call Report Masthead
#3,828 of 4,374 health · 2025Q4Star USA · health 66/100 · $157.3M · 2025Q4
- MEM 66/100
- RANK 10.2%
- PHOTO 1.24%
- BOOK -0.15%
- CHARTER $157.3M
- NCUSIF 14,135
- CAMELS #3,828/4,374
- HEALTH HELLO
- NW 911
Star USA in the assets neighbourhood
Star USA's $157.3M assets sit next to HELLO ($157.4M) 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 USA 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
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
Star USA - Share Insurance Coverage
Charter #911's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for WV only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Star USA Call Report trajectory
Star USA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $157.3M (2025Q4) to $158.0M (2026Q1).
- Net-worth ratio shifted +0.18 pp (9.98% → 10.16%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 66.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Star USA's nationwide photo peers by assets and by health score, excluding West Virginia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($157.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (66/100 here).
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
- Rates and health both vary by institution, not just by state -- see how West Virginia credit unions compare overall before assuming this one is typical. West Virginia 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 USA financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Star USA carries a financial health score of 66/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,828 of 4,374; by total assets it ranks #1,461 of 4,374 nationally (same basis as /rankings/largest); and #7 of 74 within West Virginia. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.16% net worth ratio and a 1.24% delinquency rate.
How does Star USA compare to other credit unions?
Five weighted metrics from NCUA filings produce Star USA's 66/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like Star USA 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 USA's net worth ratio of 10.16% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Star USA offer compared to banks?
Credit unions like Star USA 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 USA 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.