Star of Texas Credit Union Austin, Texas
Star of Texas Credit Union is a state-chartered credit union headquartered in Austin, TX, established in 1952 (NCUA charter 67512), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,938 members and total assets of $71.6M (up 8.4% from Q2 2025), the 169th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 22.32% at Q2 2026, in the well capitalized band.
Also written as Star of Texas 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
- 67512
- Headquarters
- Austin, TX
- Established
- 1952
- Total assets, Q2 2026
- $71.6M
- Assets vs Q2 2025
- +8.4%
- Members, Q2 2026
- 2,938
- Net worth ratio, Q2 2026
- 22.32%
- Latest call report
- Q2 2026, NCUA 5300 · Star of Texas Credit Union call report
- Asset rank in state
- 169th of 377 in Texas
- Routing number
- 314977162
- Branches
- 1
It has 104 more members than on June 30, 2025 (+3.7%). Its net worth ratio was up 2.45 percentage points from 19.87% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $42.1M of $53.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 3.79% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 22.32% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Texas
Frequently asked about Star of Texas Credit Union
How big is Star of Texas Credit Union?
At Q2 2026 it reported total assets of $71.6M and 2,938 members.
Where is Star of Texas Credit Union headquartered?
It is headquartered in Austin, TX, United States.
When was Star of Texas Credit Union founded?
It was established in 1952, per NCUA records.
Is Star of Texas Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67512): 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 Star of Texas 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 Star of Texas Credit Union well capitalized?
Its net worth ratio was 22.32% 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 Star of Texas Credit Union's delinquency ratio?
Its delinquency ratio was 3.79% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Star of Texas Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 98.68% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Austin, TX 78752
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1952
- NCUA Charter #
- 67512
- RSSD ID
- 626192
- Members
- 2,938
- Potential members
- 100,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 4 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: 11.14% to 19.38% | 22.32% | 14.31% | 82nd top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 6.24% | 0.72% | over 90th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 27.97% | 4.74% | over 90th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.01% | 3.93% | 53rd above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 30.01% | 79.83% | over 90th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.51% | 0.78% | 17th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 3.79% | 0.86% | 11th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.52% | 4.70% | 79th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 98.68% | 58.92% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$71.6M total assets against $66.1M; $54.1M total shares and deposits against $51.0M; $53.4M total loans against $50.1M.
$16.0M net worth against $13.1M.
22.32% net worth ratio against 19.87%.
98.68% loan-to-share ratio against 98.19%.
3.79% delinquency ratio against 0.17%.
6.24% return on assets against 1.45%; 27.97% return on equity against 7.29%.
4.01% net interest margin against 4.18%.
2,938 members against 2,834.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 22.32% | 6.24% | 3.79% | 98.68% |
| March 31, 2026 | 21.76% | 1.72% | 0.99% | 100.22% |
| December 31, 2025 | 21.64% | 1.83% | 1.93% | 100.67% |
| September 30, 2025 | 21.01% | 6.82% | 0.69% | 97.74% |
| June 30, 2025 | 19.87% | 1.45% | 0.17% | 98.19% |
| March 31, 2025 | 19.67% | 1.58% | 0.92% | 96.66% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
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.