STAR ONE
Charter #68465 · SUNNYVALE, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.24% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.29% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 1.07% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 3.15% sits at the 92nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.07% ranks in the 2nd 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 ONE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $9.58B | 93th pct | 89th pct |
| Members | 133,824 | 55th pct | 43th pct |
| Net worth ratio | 14.24% | 90th pct | 92th pct |
| Return on average assets | 0.29% | 14th pct | 10th pct |
| Net interest margin | 1.07% | 1th pct | 0th pct |
| Cost of funds | 3.15% | 95th pct | 92th pct |
| Loan-to-share | 79.74% | 31th pct | 34th pct |
| Delinquency 60+ days | 0.07% | 1th pct | 2th pct |
| Net charge-off ratio | 0.04% | 2th pct | 7th pct |
| Loan growth YoY | 4.92% | 81th pct | 83th pct |
| Share growth YoY | 7.72% | 85th pct | 86th pct |
| Efficiency ratio | 75.25% | 59th pct | 59th pct |
structural peer set hash: da46967a7b70b57e49e5857a4260507e… (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.