MOUNTAIN STAR
Charter #856 · El Paso, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 9.31% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.48% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.39% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.76% sits at the 82nd percentile of structural peers — worth a closer look.
- Efficiency ratio of -70.63% ranks in the 0th 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 | MOUNTAIN STAR | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $46.56M | 95th pct | 80th pct |
| Members | 4,784 | 95th pct | 74th pct |
| Net worth ratio | 18.00% | 76th pct | 72th pct |
| Return on average assets | 9.31% | 100th pct | 98th pct |
| Net interest margin | 4.77% | 86th pct | 67th pct |
| Cost of funds | 0.48% | 31th pct | 21th pct |
| Loan-to-share | 85.07% | 90th pct | 74th pct |
| Delinquency 60+ days | 0.39% | 41th pct | 23th pct |
| Net charge-off ratio | 0.76% | 80th pct | 82th pct |
| Loan growth YoY | 6.47% | 95th pct | 92th pct |
| Share growth YoY | 4.22% | 68th pct | 62th pct |
| Efficiency ratio | -70.63% | 0th pct | 0th pct |
structural peer set hash: fbcae7ed46c577b548278262ecdfbbc2… (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.