Credit Union Safety Analysis
Is Mirastar Federal Credit Union Safe? San Jose, California
Based on its Q2 2026 NCUA 5300 call report, Mirastar Federal Credit Union has a net worth ratio of 9.87%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.03%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Mirastar Federal Credit Union's net worth ratio is 9.87%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.87%
- Delinquency ratio (60+ days) (Q2 2026): 1.03%
- Return on assets (Q2 2026): 0.55%
- Loan-to-share ratio (Q2 2026): 69.83%
Mirastar Federal Credit Union (NCUA charter 24299, established 1950) reported $1.04B in assets and 50,171 members for Q2 2026 from San Jose, California. It ranks 65 of 238 credit unions in California by total assets. Total assets grew 7.2% from $968.7M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 9.75% for Q1 2026; 10.11% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 1.00% for Q1 2026; 0.88% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.53% for Q1 2026; 0.52% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 69.77% for Q1 2026; 63.81% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $410.8M
- Used vehicle loans: $158.9M
- Other unsecured loans and lines of credit: $33.9M
- New vehicle loans: $30.0M
- Unsecured credit card loans: $21.1M
- Other secured non-real estate loans and lines of credit: $2.5M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.04B | 9.87% | 1.03% | 0.55% | 69.83% |
| March 31, 2026 | $1.04B | 9.75% | 1.00% | 0.53% | 69.77% |
| December 31, 2025 | $1.02B | 9.74% | 0.98% | 0.43% | 68.94% |
| September 30, 2025 | $982.7M | 10.05% | 1.04% | 0.35% | 64.73% |
| June 30, 2025 | $968.7M | 10.11% | 0.88% | 0.52% | 63.81% |
| March 31, 2025 | $963.3M | 10.03% | 0.70% | 0.42% | 62.22% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Mirastar Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24299) · FFIEC NIC profile (RSSD 438797)
Frequently asked questions
Is Mirastar Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Mirastar Federal Credit Union's net worth ratio is 9.87%, above the 7% NCUA threshold for well capitalized.
Is Mirastar Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Mirastar Federal Credit Union is a federally insured credit union (NCUA charter 24299): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Mirastar Federal Credit Union's key safety ratios?
For Q2 2026, Mirastar Federal Credit Union reports net worth 9.87%, delinquency 1.03%, ROA 0.55%, loan-to-share 69.83%.
What happens to my money if Mirastar Federal Credit Union fails?
For Q2 2026, Mirastar Federal Credit Union held $941.3M in shares and deposits for 50,171 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.