Mirastar Federal Credit Union San Jose, California
Mirastar Federal Credit Union is a federal credit union headquartered in San Jose, CA, established in 1950 (NCUA charter 24299), and it is regulated and insured by the NCUA. At Q2 2026 it reported 50,171 members and total assets of $1.04B (up 7.2% from Q2 2025), the 65th largest of 238 credit unions headquartered in California. Its net worth ratio was 9.87% at Q2 2026, in the well capitalized band.
Also written as Mirastar FCU
BankRegReports is independent of Mirastar Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 24299
- Headquarters
- San Jose, CA
- Established
- 1950
- Total assets, Q2 2026
- $1.04B
- Assets vs Q2 2025
- +7.2%
- Members, Q2 2026
- 50,171
- Net worth ratio, Q2 2026
- 9.87%
- Latest call report
- Q2 2026, NCUA 5300 · Mirastar Federal Credit Union call report
- Asset rank in state
- 65th of 238 in California
- Routing number
- 321176972
- Branches
- 7
It has 2,628 more members than on June 30, 2025 (+5.5%). Its net worth ratio was down 0.24 percentage points from 10.11% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $410.8M of $657.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.03% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 9.87% net worth ratio is below that band's 10.89% median.
Credit unions similar in size in California
Frequently asked about Mirastar Federal Credit Union
How big is Mirastar Federal Credit Union?
At Q2 2026 it reported total assets of $1.04B and 50,171 members.
Where is Mirastar Federal Credit Union headquartered?
It is headquartered in San Jose, CA, United States.
When was Mirastar Federal Credit Union founded?
It was established in 1950, per NCUA records.
Is Mirastar Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24299): 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 Mirastar Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Mirastar Federal Credit Union well capitalized?
Its net worth ratio was 9.87% 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 Mirastar Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.03% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Mirastar Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 69.83% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- San Jose, CA 95112
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1950
- NCUA Charter #
- 24299
- RSSD ID
- 438797
- Members
- 50,171
- Potential members
- 936,639
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 2 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 9.87% | 10.89% | 26th below |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.55% | 0.89% | 23rd bottom |
| Return on equity Middle half of peers: 5.37% to 10.92% | 5.54% | 8.07% | 27th below |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.88% | 3.45% | 78th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 78.36% | 70.59% | 22nd bottom |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 0.99% | 1.68% | over 90th top |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 1.03% | 0.68% | 26th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.87% | 5.12% | 35th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 69.83% | 88.03% | 16th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.04B total assets against $968.7M; $941.3M total shares and deposits against $870.4M; $657.3M total loans against $555.4M.
$102.5M net worth against $97.9M.
9.87% net worth ratio against 10.11%.
69.83% loan-to-share ratio against 63.81%.
1.03% delinquency ratio against 0.88%.
0.55% return on assets against 0.52%; 5.54% return on equity against 5.11%.
3.88% net interest margin against 3.90%.
50,171 members against 47,543.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.87% | 0.55% | 1.03% | 69.83% |
| March 31, 2026 | 9.75% | 0.53% | 1.00% | 69.77% |
| December 31, 2025 | 9.74% | 0.43% | 0.98% | 68.94% |
| September 30, 2025 | 10.05% | 0.35% | 1.04% | 64.73% |
| June 30, 2025 | 10.11% | 0.52% | 0.88% | 63.81% |
| March 31, 2025 | 10.03% | 0.42% | 0.70% | 62.22% |
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.