STAR OF TEXAS
Charter #67512 · austin, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 21.76% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.73% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.30% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.43% sits at the 75th percentile of structural peers — worth a closer look.
- Efficiency ratio of 60.69% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
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 | STAR OF TEXAS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $68.30M | 43th pct | 41th pct |
| Members | 2,903 | 8th pct | 36th pct |
| Net worth ratio | 21.76% | 94th pct | 80th pct |
| Return on average assets | 1.73% | 91th pct | 87th pct |
| Net interest margin | 4.30% | 82th pct | 75th pct |
| Cost of funds | 1.98% | 92th pct | 74th pct |
| Loan-to-share | 100.22% | 99th pct | 80th pct |
| Delinquency 60+ days | 0.99% | 71th pct | 67th pct |
| Net charge-off ratio | 0.43% | 66th pct | 75th pct |
| Loan growth YoY | 3.54% | 87th pct | 84th pct |
| Share growth YoY | 0.98% | 28th pct | 39th pct |
| Efficiency ratio | 60.69% | 11th pct | 25th pct |
structural peer set hash: 38c8600ae34455c0790b5835883f784e… (reproducible)
Closest structural peers
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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.