Credit Union Safety Analysis
Is Mountain Star Federal Credit Union Safe? El Paso, Texas
Based on its Q2 2026 NCUA 5300 call report, Mountain Star Federal Credit Union has a net worth ratio of 18.45%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.70%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Mountain Star Federal Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Mountain Star Federal Credit Union's net worth ratio is 18.45%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 18.45%
- Delinquency ratio (60+ days) (Q2 2026): 0.70%
- Return on assets (Q2 2026): -7.05%
- Loan-to-share ratio (Q2 2026): 82.63%
Mountain Star Federal Credit Union (NCUA charter 856, established 1935) reported $46.5M in assets and 4,842 members for Q2 2026 from El Paso, Texas. It ranks 193 of 377 credit unions in Texas by total assets. Total assets grew 3.7% from $44.8M on June 30, 2025. It has 378 more members than on June 30, 2025 (+8.5%). Its net worth ratio was up 2.39 percentage points from 16.06% on June 30, 2025. Used vehicle loans are its largest loan category, $15.4M of $29.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.70% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 18.00% for Q1 2026; 16.06% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.39% for Q1 2026; 0.17% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 9.20% for Q1 2026; 5.98% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 85.07% for Q1 2026; 79.91% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $15.4M
- New vehicle loans: $6.3M
- Other unsecured loans and lines of credit: $2.1M
- 1- to 4-family residential and other consumer real estate loans: $2.0M
- Other secured non-real estate loans and lines of credit: $1.7M
- Commercial loans: $1.6M
- Unsecured credit card loans: $274K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $46.5M | 18.45% | 0.70% | -7.05% | 82.63% |
| March 31, 2026 | $46.6M | 18.00% | 0.39% | 9.20% | 85.07% |
| December 31, 2025 | $45.5M | 18.28% | 0.56% | 2.08% | 87.33% |
| September 30, 2025 | $44.9M | 18.01% | 0.59% | 7.90% | 83.26% |
| June 30, 2025 | $44.8M | 16.06% | 0.17% | 5.98% | 79.91% |
| March 31, 2025 | $44.9M | 14.53% | 0.39% | 2.34% | 74.53% |
Add this badge to your website
Free to use. It shows Mountain Star Federal Credit Union’s latest filed figures and updates each quarter.
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.
Mountain Star Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 856) · FFIEC NIC profile (RSSD 201674)
Frequently asked questions
Is Mountain Star Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Mountain Star Federal Credit Union's net worth ratio is 18.45%, above the 7% NCUA threshold for well capitalized.
Is Mountain Star Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Mountain Star Federal Credit Union is a federally insured credit union (NCUA charter 856): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Mountain Star Federal Credit Union's key safety ratios?
For Q2 2026, Mountain Star Federal Credit Union reports net worth 18.45%, delinquency 0.70%, ROA -7.05%, loan-to-share 82.63%.
What happens to my money if Mountain Star Federal Credit Union fails?
For Q2 2026, Mountain Star Federal Credit Union held $35.5M in shares and deposits for 4,842 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.