SOUTHERN STAR
Charter #67660 · Houston, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.69% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 1.23% sits at the 80th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 3.18% sits at the 93rd percentile of structural peers — worth a closer look.
- Efficiency ratio of 114.19% sits at the 92nd percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 67th percentile but its structural peers at the 44th — a 23-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 | SOUTHERN STAR | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $17.96M | 31th pct | 20th pct |
| Members | 2,741 | 69th pct | 51th pct |
| Net worth ratio | 13.29% | 48th pct | 49th pct |
| Return on average assets | -0.69% | 9th pct | 11th pct |
| Net interest margin | 3.53% | 36th pct | 33th pct |
| Cost of funds | 1.23% | 68th pct | 80th pct |
| Loan-to-share | 55.72% | 48th pct | 62th pct |
| Delinquency 60+ days | 3.18% | 94th pct | 93th pct |
| Net charge-off ratio | 0.39% | 67th pct | 44th pct |
| Loan growth YoY | -3.16% | 44th pct | 36th pct |
| Share growth YoY | -2.81% | 9th pct | 8th pct |
| Efficiency ratio | 114.19% | 96th pct | 92th pct |
structural peer set hash: 5876d29ff1a6dfdec2832727209134da… (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.