MIRASTAR
Charter #24299 · San Jose, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.97% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.00% sits at the 85th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 2nd percentile but its structural peers at the 51st — a 49-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MIRASTAR | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.04B | 2th pct | 51th pct |
| Members | 50,198 | 4th pct | 34th pct |
| Net worth ratio | 9.75% | 27th pct | 31th pct |
| Return on average assets | 0.54% | 33th pct | 41th pct |
| Net interest margin | 3.97% | 87th pct | 90th pct |
| Cost of funds | 1.10% | 22th pct | 33th pct |
| Loan-to-share | 69.77% | 15th pct | 26th pct |
| Delinquency 60+ days | 1.00% | 78th pct | 85th pct |
| Net charge-off ratio | 0.61% | 58th pct | 62th pct |
| Loan growth YoY | 10.92% | 96th pct | 97th pct |
| Share growth YoY | 2.91% | 28th pct | 35th pct |
| Efficiency ratio | 78.39% | 71th pct | 48th pct |
structural peer set hash: 51114cd43e6849f9c7efd8e9a7e7bd3c… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.