Five Star Credit Union Dothan, Alabama
Five Star Credit Union is a state-chartered credit union headquartered in Dothan, AL, established in 1964 (NCUA charter 68302), and it is regulated and insured by the NCUA. At Q2 2026 it reported 68,823 members and total assets of $1.26B (up 3.7% from Q2 2025), the 11th largest of 87 credit unions headquartered in Alabama. Its net worth ratio was 13.82% at Q2 2026, in the well capitalized band.
Also written as Five Star CU
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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
- 68302
- Headquarters
- Dothan, AL
- Established
- 1964
- Total assets, Q2 2026
- $1.26B
- Assets vs Q2 2025
- +3.7%
- Members, Q2 2026
- 68,823
- Net worth ratio, Q2 2026
- 13.82%
- Latest call report
- Q2 2026, NCUA 5300 · Five Star Credit Union call report
- Asset rank in state
- 11th of 87 in Alabama
- Routing number
- 261272046
- Branches
- 27
It has 2,897 more members than on June 30, 2025 (+4.4%). Its net worth ratio was up 0.54 percentage points from 13.28% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $317.3M of $860.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.50% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 13.82% net worth ratio is above that band's 10.89% median.
Credit unions merged into Five Star Credit Union
Georgia Guard Credit Union (2026) · Georgia Coastal Federal Credit Union (2014)
Frequently asked about Five Star Credit Union
How big is Five Star Credit Union?
At Q2 2026 it reported total assets of $1.26B and 68,823 members.
Where is Five Star Credit Union headquartered?
It is headquartered in Dothan, AL, United States.
When was Five Star Credit Union founded?
It was established in 1964, per NCUA records.
Is Five Star Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68302): 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 Five Star Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Five Star Credit Union well capitalized?
Its net worth ratio was 13.82% 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 Five Star Credit Union's delinquency ratio?
Its delinquency ratio was 1.50% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Five Star Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 79.20% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Dothan, AL 36303
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1964
- NCUA Charter #
- 68302
- RSSD ID
- 691583
- Members
- 68,823
- Potential members
- 1,522,058
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 1 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 12.63% | 13.82% | 10.89% | 84th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.15% | 0.89% | 68th above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 8.31% | 8.07% | 52nd above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.57% | 3.45% | 59th above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 72.05% | 70.59% | 45th below |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.95% | 1.68% | 28th below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 1.50% | 0.68% | under 10th bottom |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.52% | 5.12% | 78th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 79.20% | 88.03% | 27th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.26B total assets against $1.22B; $1.09B total shares and deposits against $1.06B; $860.9M total loans against $759.4M.
$174.3M net worth against $161.6M.
13.82% net worth ratio against 13.28%.
79.20% loan-to-share ratio against 71.55%.
1.50% delinquency ratio against 1.64%.
1.15% return on assets against 0.78%; 8.31% return on equity against 5.89%.
3.57% net interest margin against 3.14%.
68,823 members against 65,926.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.82% | 1.15% | 1.50% | 79.20% |
| March 31, 2026 | 13.60% | 1.03% | 1.34% | 78.47% |
| December 31, 2025 | 13.52% | 0.98% | 1.22% | 78.45% |
| September 30, 2025 | 13.46% | 1.08% | 1.51% | 74.75% |
| June 30, 2025 | 13.28% | 0.78% | 1.64% | 71.55% |
| March 31, 2025 | 13.00% | 0.88% | 0.93% | 69.85% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
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.