STAR FINANCIAL
Charter #68300 · Corpus Christi, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 10.59% sits at the 20th percentile of structural peers — worth a closer look.
- Return on average assets of 0.23% sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 4.27% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.67% sits at the 97th 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 44th — a 42-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 | STAR FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $50.56M | 2th pct | 44th pct |
| Members | 2,918 | 9th pct | 30th pct |
| Net worth ratio | 10.59% | 26th pct | 20th pct |
| Return on average assets | 0.23% | 23th pct | 20th pct |
| Net interest margin | 4.27% | 81th pct | 75th pct |
| Cost of funds | 0.89% | 48th pct | 66th pct |
| Loan-to-share | 51.90% | 33th pct | 46th pct |
| Delinquency 60+ days | 0.56% | 46th pct | 69th pct |
| Net charge-off ratio | 1.67% | 96th pct | 97th pct |
| Loan growth YoY | -4.68% | 20th pct | 28th pct |
| Share growth YoY | 4.26% | 67th pct | 72th pct |
| Efficiency ratio | 85.39% | 67th pct | 69th pct |
structural peer set hash: 3cbdd15e537ba6c43ef4955768360340… (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.