Community Star Credit Union, Inc. Elyria, Ohio
Community Star Credit Union, Inc. is a state-chartered credit union headquartered in Elyria, OH, established in 1938 (NCUA charter 95008), and it is regulated and insured by the NCUA. At Q2 2026 it reported 7,669 members and total assets of $102.7M (up 1.5% from Q2 2025), the 76th largest of 191 credit unions headquartered in Ohio. Its net worth ratio was 9.73% at Q2 2026, in the well capitalized band.
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 95008
- Headquarters
- Elyria, OH
- Established
- 1938
- Total assets, Q2 2026
- $102.7M
- Assets vs Q2 2025
- +1.5%
- Members, Q2 2026
- 7,669
- Net worth ratio, Q2 2026
- 9.73%
- Latest call report
- Q2 2026, NCUA 5300 · Community Star Credit Union, Inc. call report
- Asset rank in state
- 76th of 191 in Ohio
- Routing number
- 241278361
- Branches
- 2
It has 223 fewer members than on June 30, 2025 (-2.8%). Its net worth ratio was up 0.64 percentage points from 9.09% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $28.4M of $68.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.55% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 9.73% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in Ohio
Credit unions merged into Community Star Credit Union, Inc.
Edco Federal Credit Union (2015)
Frequently asked about Community Star Credit Union, Inc.
How big is Community Star Credit Union, Inc.?
At Q2 2026 it reported total assets of $102.7M and 7,669 members.
Where is Community Star Credit Union, Inc. headquartered?
It is headquartered in Elyria, OH, United States.
When was Community Star Credit Union, Inc. founded?
It was established in 1938, per NCUA records.
Is Community Star Credit Union, Inc. FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 95008): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Community Star Credit Union, Inc.?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Community Star Credit Union, Inc. well capitalized?
Its net worth ratio was 9.73% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Community Star Credit Union, Inc.'s delinquency ratio?
Its delinquency ratio was 0.55% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Community Star Credit Union, Inc.'s loan-to-share ratio?
Its loan-to-share ratio was 75.29% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Elyria, OH 44035
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1938
- NCUA Charter #
- 95008
- RSSD ID
- 930693
- Members
- 7,669
- Potential members
- 530,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 9.73% | 11.43% | 24th bottom |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.69% | 0.81% | 42nd below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 7.13% | 7.02% | 51st above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.50% | 3.70% | 38th below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 80.10% | 76.55% | 37th below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.20% | 1.24% | 53rd above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.55% | 0.68% | 61st above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.70% | 4.92% | 36th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 75.29% | 75.66% | 49th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$102.7M total assets against $101.2M; $90.7M total shares and deposits against $88.7M; $68.3M total loans against $68.9M.
$9.9M net worth against $9.2M.
9.73% net worth ratio against 9.09%.
75.29% loan-to-share ratio against 77.73%.
0.55% delinquency ratio against 0.67%.
0.69% return on assets against 0.75%; 7.13% return on equity against 8.21%.
3.50% net interest margin against 3.44%.
7,669 members against 7,892.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.73% | 0.69% | 0.55% | 75.29% |
| March 31, 2026 | 9.58% | 0.97% | 0.45% | 73.60% |
| December 31, 2025 | 9.37% | 0.49% | 0.81% | 76.46% |
| September 30, 2025 | 9.49% | 1.45% | 0.56% | 79.15% |
| June 30, 2025 | 9.09% | 0.75% | 0.67% | 77.73% |
| March 31, 2025 | 9.03% | 0.89% | 0.34% | 77.72% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.