Star One Credit Union Sunnyvale, California
Star One Credit Union is a state-chartered credit union headquartered in Sunnyvale, CA, established in 1956 (NCUA charter 68465), and it is regulated and insured by the NCUA. At Q2 2026 it reported 134,349 members and total assets of $9.70B (up 9.8% from Q2 2025), the 6th largest of 238 credit unions headquartered in California. Its net worth ratio was 14.06% at Q2 2026, in the well capitalized band.
Also written as Star One CU
BankRegReports is independent of Star One Credit Union and never asks for online banking logins or passwords.
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
- 68465
- Headquarters
- Sunnyvale, CA
- Established
- 1956
- Total assets, Q2 2026
- $9.70B
- Assets vs Q2 2025
- +9.8%
- Members, Q2 2026
- 134,349
- Net worth ratio, Q2 2026
- 14.06%
- Latest call report
- Q2 2026, NCUA 5300 · Star One Credit Union call report
- Asset rank in state
- 6th of 238 in California
- Routing number
- 321177968
- Branches
- 7
It has 3,923 more members than on June 30, 2025 (+3.0%). Its net worth ratio was down 0.92 percentage points from 14.98% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $6.14B of $6.73B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.13% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 14.06% net worth ratio is above that band's 10.89% median.
Frequently asked about Star One Credit Union
How big is Star One Credit Union?
At Q2 2026 it reported total assets of $9.70B and 134,349 members.
Where is Star One Credit Union headquartered?
It is headquartered in Sunnyvale, CA, United States.
When was Star One Credit Union founded?
It was established in 1956, per NCUA records.
Is Star One Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68465): 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 One 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 One Credit Union well capitalized?
Its net worth ratio was 14.06% 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 One Credit Union's delinquency ratio?
Its delinquency ratio was 0.13% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Star One Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 80.47% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Sunnyvale, CA 94089
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1956
- NCUA Charter #
- 68465
- RSSD ID
- 472988
- Members
- 134,349
- Potential members
- 6,736,046
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 5.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 14.06% | 10.89% | 86th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | -0.04% | 0.89% | under 10th bottom |
| Return on equity Middle half of peers: 5.37% to 10.92% | -0.29% | 8.07% | under 10th bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 1.06% | 3.45% | under 10th bottom |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 96.36% | 70.59% | under 10th bottom |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 2.77% | 1.68% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.13% | 0.68% | over 90th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 3.83% | 5.12% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 80.47% | 88.03% | 31st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$9.70B total assets against $8.83B; $8.36B total shares and deposits against $7.49B; $6.73B total loans against $6.25B.
$1.36B net worth against $1.32B.
14.06% net worth ratio against 14.98%.
80.47% loan-to-share ratio against 83.48%.
0.13% delinquency ratio against 0.16%.
-0.04% return on assets against 0.21%; -0.29% return on equity against 1.43%.
1.06% net interest margin against 1.14%.
134,349 members against 130,426.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.06% | -0.04% | 0.13% | 80.47% |
| March 31, 2026 | 14.24% | 0.29% | 0.07% | 79.74% |
| December 31, 2025 | 14.53% | 0.71% | 0.13% | 80.53% |
| September 30, 2025 | 14.93% | 0.84% | 0.15% | 81.88% |
| June 30, 2025 | 14.98% | 0.21% | 0.16% | 83.48% |
| March 31, 2025 | 14.25% | -0.10% | 0.13% | 81.75% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
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.