# STAR CITY
Roanoke, VA · NCUA charter 22560 · asset band <$50M · latest filing 2025-03 · stopped filing after 2025-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/star-city-22560

Who the members are: federal charter, multiple common bond, organized 1976, low-income designated. 426 members of 1,000 potential (42.6% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *stressed*. Composite score 11 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.6M |
| Members | 426 (-27.8% YoY) |
| Full-time staff | 1 |
| Net worth | $65,952 |
| Net worth ratio | 4.1% (p0 of band) |
| ROA (annualized) | -1.59% (p6 of band) |
| Total delinquency | 17.19% (p99 of band) |
| Net charge-offs (annualized) | -0.57% (p3 of band) |
| Loans / shares | 60% (p51 of band) |
| Cash / assets | 42.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.08% (p86 of band) |
| Operating expense / assets | 7.67% (p95 of band) |
| Vehicles % of loans | 70% (p64 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 16.67% (p99 of band) |
| Vehicle NCO | 0.00% (p33 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 30% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 97% |
| Certificates % of member funds | 0% |
| Average share balance | $3,199 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $5,951 |
| Loans granted, annualized | $46,800 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, losing money, delinquency 2x band, auto monoline |  |
| 2016-06 | 3 |  | delinquency 2x band |
| 2016-09 | 4 | delinquency 2x band |  |
| 2016-12 | 3 |  | delinquency 2x band |
| 2017-03 | 5 | assets shrinking, members leaving |  |
| 2017-06 | 4 | net worth falling | assets shrinking, members leaving |
| 2017-09 | 3 |  | net worth falling |
| 2017-12 | 3 |  |  |
| 2018-03 | 5 | assets shrinking, members leaving |  |
| 2018-06 | 4 |  | auto monoline |
| 2018-09 | 6 | delinquency rising, loan book shrinking |  |
| 2018-12 | 7 | auto monoline |  |
| 2019-03 | 7 | expense trap, delinquency 2x band | members leaving, loan book shrinking |
| 2019-06 | 8 | members leaving |  |
| 2019-09 | 8 |  |  |
| 2019-12 | 8 | charge-offs p90 | delinquency 2x band |
| 2020-03 | 6 |  | delinquency rising, charge-offs p90 |
| 2020-06 | 5 | net worth falling | assets shrinking, members leaving |
| 2020-09 | 6 | delinquency 2x band |  |
| 2020-12 | 5 |  | delinquency 2x band |
| 2021-03 | 7 | capital below 7%, margin squeeze | losing money |
| 2021-06 | 6 |  | net worth falling |
| 2021-09 | 3 |  | capital below 7%, margin squeeze |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 | delinquency rising | expense trap |
| 2022-06 | 4 | expense trap |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 5 | delinquency 2x band |  |
| 2023-03 | 7 | assets shrinking, loans>95% of shares, leaning on borrowings | thin capital |
| 2023-06 | 5 |  | loans>95% of shares, leaning on borrowings |
| 2023-09 | 5 |  |  |
| 2023-12 | 9 | thin capital, net worth falling, losing money, loan book shrinking |  |
| 2024-03 | 8 | charge-offs p90 | thin capital, net worth falling |
| 2024-06 | 11 | thin capital, capital below 7%, members leaving | delinquency rising |
| 2024-09 | 12 | net worth falling |  |
| 2024-12 | 11 |  | net worth falling |
| 2025-03 | 11 | margin squeeze | charge-offs p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-07-11 [Takeoff Mode - Florida Trend](https://news.google.com/rss/articles/CBMib0FVX3lxTE1pcXlKbVluU1NHOUhQX0lxWWVYeFVsR0I4RU1QejU0QVpXTURJMy15UERpRjllOUpUTlpTa3VfMjJoM1dmc3pzS0hNbGh0ZTA2a1k2MHZKY282eUFwbEtfUXdRdE1BY3A4TUpSaUxVNA?oc=5) · Florida Trend
- 2023-04-27 [Gary Lee Mundy Jr. - The Recorder Online](https://news.google.com/rss/articles/CBMibkFVX3lxTFBITFYzX09UYS1TWVpmQTAyMWtXdlJHYUcxSzhiOWU0RXMzUjdBd0V0dHhiOWZIdHk0ZFVBWENfVE9FOE80M0V6VUgzaXNmOFNlSlFrWVhTX3lsQ0RWZVhtV1lHUWY0bWhfVDlvVmFn?oc=5) · The Recorder Online
- 2026-01-29 [Morgantown launches pilot program for Municipal IDs - WDTV 5](https://news.google.com/rss/articles/CBMie0FVX3lxTE5VWWRuc3IzWWJyU2Z5YzVKUkRob2VmSVcxMVV2MHBaMVV1OWFlOGRGbVc1RFZFazNldkNTT1QyQ1lXNXluOW5QaUlZWnljMDh1WE5uS180V2tzSFZwNHlzdGg1U096RWo4RVc0S1dTXzUydEhBTlRUekw5a9IBjwFBVV95cUxPWXEzcFJpX0gyeEVSdGJyend1YlByLUREYXdOVXQ4QXZ3Wl9OOTNUWmJEaGdFUXRXX2tUY2xQclc1enZ3aHRMZV94bEtUTTZqSUNzSE5aTGRlMWNCYnMxVlRqclZWSEhfLXI1NmVuWFZKbjRPS0hhVjh6Mm96SzQ0T3ZWTGJxY1lhTlVGZzVnZw?oc=5) · WDTV 5
- 2022-08-29 [A Historic Getaway: Roanoke’s Liberty Trust Hotel - Coastal Virginia Magazine](https://news.google.com/rss/articles/CBMikAFBVV95cUxQVUs3dnE2bEhXM3ZYb1RUVTladWRYcF9sVVBjdVo2ZXhkMG5EQmM4X0UwREhudzR6QjB3S1lneXltS3Y2QjZGQllMWGtvVVdfREhTVVBVcUQzWDJ3eDMzVlBudWdkcTJ6Ui1JM04xNzRHdnBPODJ0cTFnUk5OaGpKLS1SRnA4QU1sMFZ2ck92NWE?oc=5) · Coastal Virginia Magazine
- 2017-05-05 [Summit on starting a business coming to Roanoke - WSLS](https://news.google.com/rss/articles/CBMijgFBVV95cUxPQ3ZUYlZPUGxsWS01ZTE4OFpCc0dmbFhrcnl4Z3BYdVBqakQ1WU9DaVpBT2xCNDJhLUV2OXY0OVFSSllLNi1KOThGUmVOYWpUQ3lnbXhtdEQzMzJYU3B6aExuWm9zdTFwT3lRQzhDRFhtRWptcHVxZDFNbDF4UWNxcm0zN1Z4ZDVRVlhXQy13?oc=5) · WSLS

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=22560 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/32.json (key "22560", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=22560
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide