COMMUNITY STAR
Charter #95008 · Elyria, OH · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 7,732 sits at the 18th percentile of structural peers — worth a closer look.
- Return on average assets of 0.98% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.34% sits at the 13th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.45% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 76.28% ranks in the 23rd 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 | COMMUNITY STAR | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $102.54M | 3th pct | 15th pct |
| Members | 7,732 | 16th pct | 18th pct |
| Net worth ratio | 9.58% | 22th pct | 28th pct |
| Return on average assets | 0.98% | 68th pct | 75th pct |
| Net interest margin | 3.34% | 31th pct | 13th pct |
| Cost of funds | 1.38% | 60th pct | 59th pct |
| Loan-to-share | 73.60% | 53th pct | 51th pct |
| Delinquency 60+ days | 0.45% | 37th pct | 21th pct |
| Net charge-off ratio | 0.31% | 45th pct | 48th pct |
| Loan growth YoY | -3.24% | 15th pct | 10th pct |
| Share growth YoY | 4.05% | 58th pct | 64th pct |
| Efficiency ratio | 76.28% | 42th pct | 23th pct |
structural peer set hash: a359117f0e93f228fbf3d3517e7c3f42… (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.