# STAR ONE
SUNNYVALE, CA · NCUA charter 68465 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/star-one-68465

Who the members are: state charter, organized 1956. 133,824 members of 6,736,046 potential (2.0% of the field); checking penetration 72% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $9.58B |
| Members | 133,824 (3.1% YoY) |
| Full-time staff | 256 |
| Net worth | $1.36B |
| Net worth ratio | 14.2% (p91 of band) |
| ROA (annualized) | 0.29% (p15 of band) |
| Total delinquency | 0.07% (p1 of band) |
| Net charge-offs (annualized) | 0.04% (p2 of band) |
| Loans / shares | 80% (p32 of band) |
| Cash / assets | 5.9% |
| Borrowings / assets | 0.08% |
| Net interest margin | 1.06% (p1 of band) |
| Operating expense / assets | 0.91% (p1 of band) |
| Vehicles % of loans | 6% (p6 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 48% |
| Third-party paper % of net worth | 13% (p15 of band) |
| Vehicle delinquency | 0.19% (p10 of band) |
| Vehicle NCO | 0.11% (p2 of band) |
| Repossessed % of vehicle book | 0.00% (p23 of band) |
| Real estate % of loans | 91% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 90% |
| Certificates % of member funds | 6% |
| Average share balance | $28,473 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $315,898 |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $91,804 |
| Loans granted, annualized | $2.32B |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $315,898 outstanding purchased (0.0% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 8.9% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | leaning on borrowings |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 3 | delinquency rising |  |
| 2017-06 | 2 |  | delinquency rising |
| 2017-09 | 3 | delinquency rising |  |
| 2017-12 | 1 |  | net worth falling, delinquency rising |
| 2018-03 | 1 |  |  |
| 2018-06 | 3 | delinquency rising, assets shrinking |  |
| 2018-09 | 2 |  | delinquency rising |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | assets shrinking |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 | net worth falling | leaning on borrowings |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | net worth falling |  |
| 2022-03 | 0 |  | net worth falling |
| 2022-06 | 1 | delinquency rising |  |
| 2022-09 | 2 | assets shrinking |  |
| 2022-12 | 2 | leaning on borrowings | assets shrinking |
| 2023-03 | 3 | assets shrinking |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | margin squeeze |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 3 |  | margin squeeze |
| 2024-06 | 1 |  | delinquency rising, assets shrinking |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 2 | assets shrinking | delinquency rising |
| 2025-03 | 3 | losing money, delinquency rising | leaning on borrowings |
| 2025-06 | 2 |  | losing money |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 1 | net worth falling | assets shrinking |
| 2026-03 | 1 |  |  |

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

- 2026-02-03 [California's Star One Credit Union Names New CEO - CUTimes](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPX0I0aWtkWndtTU1rbXJZUHh0VzRjWUdpZEVyVlFFN056aUVYXy11V21xOERlb2x4OFdHYjVfN19FS0JaN0RQc2M5LVhwT3MzWFhXa3psMTZabEQ4a0RsbmEzRC1uWjNUYV9Xc0FOSm5ldXJ0cWl6NkxjNmQ5a2ZwMG1VWkZyVUlydGxF?oc=5) · CUTimes
- 2026-02-19 [Local resident becomes CEO of Star One Credit Union - Los Gatan](https://news.google.com/rss/articles/CBMifkFVX3lxTE5UcWs2VnhqSllBRUJ0TzNRdjBFQS1IT2N1RHViektjanJkX3BhVDNzcUc5UmtYeUYzd3MxMHJBeEp0N3R0NmltSGxkcjZleUNQZ2FMamYwQnpwNE9Pb005eXRYMU5FbEdSUWo2M3drNmZ6SXZuOEhOWElYYmI2QQ?oc=5) · Los Gatan
- 2026-02-02 [Minal Gupta, Promoted to President & CEO at Star One Credit Union - Silicon Valley Business Journal - The Business Journals](https://news.google.com/rss/articles/CBMijAFBVV95cUxPYmpGUzBPY1NXTzNVN29TQVo3MDJHUUlyRjFtSVI4UDBkR2JRQk4tclhtVlpGZkZTcVQ0VHE0MWFpU3FTdWNJOGpSeGNMbGcwNG00QzR5WS1ZX0JTcHM3SUhMYm03MnFyVTkzb0w3TnliUGNvaWRxUmoxenZ2N1pINzRzeE1XWURHemZSaQ?oc=5) · The Business Journals
- 2026-02-02 [Minal Gupta begins new role as Chief Executive Officer for Star One Credit Union - CUInsight](https://news.google.com/rss/articles/CBMivgFBVV95cUxNbFd1U3M2YlZicVhEWFN0dzI4emozbGh4eVlhYkNsQURqcWFhMXJFZk5PUzhsc0ZiMEw2bXZuaVJUMEJMb3FvSmxra3M4WjNrRzZIZXZwRmVmak5oNHc5Z2hIeDhfbTZwV2FTbG5KLVdrdjZsdlJXN3NHY0ZRc0piVzh0Tm9RWHBUVlBfeDJKaEdCYWdla1RuWW4wRUFzS0ZOQ2prbG9OZ3RRUnhieXVIcVd5QnRpMGpTM3RHbG9R?oc=5) · CUInsight
- 2026-01-30 [The Best Savings Accounts in California for 2026 - moneyrates.com](https://news.google.com/rss/articles/CBMie0FVX3lxTE96YzV6N2pTOEZNVnBfbVZhengxQnlHOGV0VVhpZU5SQkF4bjBSV0tfajhCMVhzZ1dhZEV2Ukd5VVJUSkt3Z2llcldPb3JwVWp5UkQtcXNwUWttQ2ttNFQwZmRFN3JGakx5U3NxMi0wVFlXdS0xeHV2ZFNibw?oc=5) · moneyrates.com
- 2026-06-15 [Fraud protection in focus on World Elder Abuse Awareness Day - Los Gatan](https://news.google.com/rss/articles/CBMiigFBVV95cUxObWxZN1dCRmFmN245R0MtUkRFY09jejE3NEUxTXlPOHZrNkpOclFrVnVoSFh5WmZXLUgzYmJhd1RhdHVVbHNBSnVHRnRGQWk1YVk4TUFadnJEeGxzZGE0akZqNUJlamNFZTVfc2VNREU0bHZpZEtyQUVnRDdfdHdoRXE4cW5Id214X2c?oc=5) · Los Gatan
- 2024-11-08 [Liberty Star Credit Union, at libertystarcu.com, should not be confused with California-licensed Star One Credit Union - The Department of Financial Protection and Innovation (.gov)](https://news.google.com/rss/articles/CBMi2wFBVV95cUxOMFFNRU4zVGI0YTA4X0VGV3VBLWJuYmx6TVBNXzFBLWFUYnlrVkh0R25teXVNbWVkdWpxelNhT0swZ0pNV1EtYW84czI2ZWNOdWlvNElGeFZMN2tKODE3ZUItRDlQWUdmeVJtcXJvRXJqY1NtQUZkQ3ZpZjREb2ZVTWVfWmgwXzVmZTFaelV0R3lFQmFsc2x6T3dIVXZLSV8yOS1HSnNqRWZHbUxPQVRlUWF1REFBWGc0QmZsSVY3eHpYQ0J4SzlUdGNrZkZCVmdaTTBuOHpnam9RREE?oc=5) · The Department of Financial Protection and Innovation (.gov)
- 2025-03-03 [Star One Credit Union’s CEO, Gary Rodrigues announces retirement in 2026 - CUInsight](https://news.google.com/rss/articles/CBMisAFBVV95cUxPNkFfd21RVmNGdmlBYWQ3MndRRmZReGlVTlBQSHZoc09FdnB5aU51YUpUNUxJR2JVWWV3bXFuc2p0Yi1DbFBxNEtSOWtjbFoxWWNzdmJzRGVBMUhJM0MzbXlKLXlETElsTUtYRm5JU1M5OGJ2Nk5kUks1MFl5WDhCM280bnhPUjlCRmZNQzNtSzZ6V1FWckVkbnlsakZ2SE5vRTJiRVhhdU1yNmJLWmJQaw?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68465 (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/49.json (key "68465", 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=68465
- 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