STAR USA
Charter #911 · Charleston, WV · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.28% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.10% sits at the 79th percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 45th percentile but its structural peers at the 69th — a 24-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 USA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $158.02M | 35th pct | 33th pct |
| Members | 13,708 | 52th pct | 66th pct |
| Net worth ratio | 10.16% | 30th pct | 38th pct |
| Return on average assets | 0.89% | 63th pct | 67th pct |
| Net interest margin | 4.28% | 84th pct | 84th pct |
| Cost of funds | 1.67% | 75th pct | 61th pct |
| Loan-to-share | 81.60% | 72th pct | 54th pct |
| Delinquency 60+ days | 1.10% | 80th pct | 79th pct |
| Net charge-off ratio | 0.31% | 45th pct | 69th pct |
| Loan growth YoY | -0.69% | 39th pct | 26th pct |
| Share growth YoY | 0.64% | 14th pct | 23th pct |
| Efficiency ratio | 81.78% | 62th pct | 48th pct |
structural peer set hash: 6b1a4808f3f45ceaab4d8a07d97ec6e9… (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.