# STAR FINANCIAL
Corpus Christi, TX · NCUA charter 68300 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/star-financial-68300

Who the members are: state charter, organized 1959, low-income designated, minority depository institution. 2,918 members of 340,223 potential (0.9% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 108.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $50.6M |
| Members | 2,918 (-14.0% YoY) |
| Full-time staff | 16 |
| Net worth | $5.4M |
| Net worth ratio | 10.6% (p27 of band) |
| ROA (annualized) | 0.22% (p23 of band) |
| Total delinquency | 0.56% (p46 of band) |
| Net charge-offs (annualized) | 1.70% (p96 of band) |
| Loans / shares | 52% (p33 of band) |
| Cash / assets | 47.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.21% (p79 of band) |
| Operating expense / assets | 4.78% (p85 of band) |
| Vehicles % of loans | 81% (p98 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 1% (p56 of band) |
| Vehicle delinquency | 0.66% (p55 of band) |
| Vehicle NCO | 1.54% (p91 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 2% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 9% |
| Average share balance | $8,911 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $637,924 |
| Loans outstanding per 100 members | 108% |
| Loans granted per 100 members, annualized | 28% |
| Average loan balance | $7,360 |
| Loans granted, annualized | $8.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $637,924 outstanding purchased (11.9% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -0.1% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | net worth falling |  |
| 2018-03 | 4 | delinquency rising |  |
| 2018-06 | 2 |  | net worth falling, delinquency rising |
| 2018-09 | 1 |  | losing money |
| 2018-12 | 2 | delinquency rising |  |
| 2019-03 | 3 | losing money, assets shrinking | delinquency rising |
| 2019-06 | 4 | net worth falling, delinquency rising | assets shrinking |
| 2019-09 | 1 |  | losing money, net worth falling, delinquency rising |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | net worth falling, losing money |  |
| 2020-06 | 4 | delinquency rising, members leaving | auto monoline |
| 2020-09 | 5 | expense trap |  |
| 2020-12 | 5 |  |  |
| 2021-03 | 5 | delinquency 2x band | delinquency rising |
| 2021-06 | 2 | charge-offs p90 | net worth falling, losing money, members leaving, expense trap |
| 2021-09 | 4 | expense trap, delinquency rising |  |
| 2021-12 | 3 |  | delinquency rising |
| 2022-03 | 4 | margin squeeze, loan book shrinking | expense trap |
| 2022-06 | 7 | net worth falling, losing money, auto monoline |  |
| 2022-09 | 5 |  | loan book shrinking, losing money |
| 2022-12 | 5 | losing money, expense trap | charge-offs p90, margin squeeze |
| 2023-03 | 4 | delinquency rising | net worth falling, expense trap |
| 2023-06 | 6 | expense trap, charge-offs p90 |  |
| 2023-09 | 7 | assets shrinking |  |
| 2023-12 | 7 | members leaving | delinquency rising |
| 2024-03 | 5 |  | losing money, expense trap |
| 2024-06 | 4 |  | delinquency 2x band |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 | delinquency 2x band | members leaving |
| 2025-03 | 5 | losing money, delinquency rising | assets shrinking |
| 2025-06 | 6 | assets shrinking |  |
| 2025-09 | 5 |  | losing money |
| 2025-12 | 3 |  | delinquency rising, assets shrinking |
| 2026-03 | 4 | net worth falling, members leaving | delinquency 2x band |

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

- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Indiana - Newsweek Rankings](https://news.google.com/rss/articles/CBMijgFBVV95cUxQQWlpNlljVGtzQ0VaQkdDSE56ZnBQNVRoSWxuU1MtTDk3ZHZZeW9EeXhOU2tSemt5aDdFMUJ0WnhLS0ptMXJlSUdNRjU1Z3hkc0JtTTRUc0E1QUhXS3djdGZaMkxYb1hOUDVmV2RfS25vMi1Uelk3SUJQWW92MGd4VmZJai0xRDlIR0pGSnVn?oc=5) · Newsweek Rankings
- 2024-11-20 [$2.5 million Star Financial Bank class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMitgFBVV95cUxQWmlsYWtWSFl1SzdGdHhPRVlwazQxMktEQjhSejMtSmRsQTluU0V2bFRhcmxJRU42elJiaWJpdWpNWjJnNE5IOE9ROC03YzhmdEFJT3ZsLWpwQWNwbWxMbG02Wm8yU1RiaHQ1WllDSV9uWmlDdzRxR1pfcDhzbVJXZ2ZTaXJsbkx4VlE2MV8xaTRXNUhIQ0FLd01kRFF0czJ2WjlMbFJGU3ctNFdEN1llUEE1Y1FaUQ?oc=5) · Top Class Actions
- 2025-10-14 [Corpus Christi woman back in custody, faces over 20 charges in alleged elder exploitation scheme - KRIS 6 News Corpus Christi](https://news.google.com/rss/articles/CBMijAJBVV95cUxOOVpSc1Iya3IweFBVZWNxaFp1MkxUSHdnVWNvTnp1c1pId0ktdWhscWJ6am1FSUctS1pLQXpzS09HQW92czFPSG9ieVZGWXN6bEYtTGhQRlNyWFg5d3VKcVFYOGFNODNBamdQbGxSZ0NWVzBGSV9pcE9HUFA3OEN6NGV6SGFEemNMMTc1dHEyUHNqNDhna0Q1WXd3eHVTQk5NUmxEbHpCQmtleXJuZUFUelZiTzltLTRscDA1OFZ6N2RITjZoVm9XWHJ1NGFrUmdiS1c5QzlfSXpVTE95QTYzTW41bUNtY19HVmRTUlF5Z1VTX1g4SUFlZWUySzlwYTVvYTA1dTNvdXRMdW1u?oc=5) · KRIS 6 News Corpus Christi
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2023-09-21 [Corpus Christi family remembers daughter two years after her death - KRIS 6 News Corpus Christi](https://news.google.com/rss/articles/CBMitgFBVV95cUxNcFItNzNEVWpwMzV3Z0ZJM3NhNDdZbXN4Y2F1dzRYLVU0ZHM0S2NteXdWdTM5QW9LaTIxOGdkYkliSEFIeHhjTUZPb2tIYmlKWDZDS2hrUDZBa3k3MnhjanRkdjJ6ZnhsbGJlOVRhZ3ZiR0NxVEt5d0pTaVZmaVhtTEJhaEx2OV9FaVRONThYZ0hvVmluN3d3eUZNemxxeHpxSDd3MEVOLWhGa05Ia0JNNmc4TkhNdw?oc=5) · KRIS 6 News Corpus Christi

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68300 (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/12.json (key "68300", 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=68300
- 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.

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