# STAR USA
Charleston, WV · NCUA charter 911 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/star-usa-911

Who the members are: federal charter, community charter, organized 1936, low-income designated. 13,708 members of 477,347 potential (2.9% of the field); checking penetration 28% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $158.0M |
| Members | 13,708 (-10.4% YoY) |
| Full-time staff | 35 |
| Net worth | $16.1M |
| Net worth ratio | 10.2% (p29 of band) |
| ROA (annualized) | 0.89% (p62 of band) |
| Total delinquency | 1.10% (p77 of band) |
| Net charge-offs (annualized) | 0.31% (p47 of band) |
| Loans / shares | 82% (p75 of band) |
| Cash / assets | 9.1% |
| Borrowings / assets | 5.81% |
| Net interest margin | 4.27% (p83 of band) |
| Operating expense / assets | 4.06% (p64 of band) |
| Vehicles % of loans | 22% (p24 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 61% |
| Third-party paper % of net worth | 133% (p75 of band) |
| Vehicle delinquency | 1.30% (p81 of band) |
| Vehicle NCO | 1.26% (p80 of band) |
| Repossessed % of vehicle book | 3.33% (p100 of band) |
| Real estate % of loans | 59% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 58% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 18% |
| Average share balance | $8,771 |
| Participations bought / yr | $6.7M |
| Participations sold / yr | $0 |
| Participations outstanding | $8.5M |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $23,557 |
| Loans granted, annualized | $39.2M |

## Participation posture (from the same filings)

Bought $6.7M and sold $0 in the latest annualized quarter; $8.5M outstanding purchased (52.9% of net worth), $73,340 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares -3.7% year over year.

## Flags firing in the latest filing

- **repo signal** (`aq_repo`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 4 | losing money, repo signal, leaning on borrowings |  |
| 2016-12 | 3 |  | leaning on borrowings |
| 2017-03 | 3 | delinquency rising | repo signal |
| 2017-06 | 5 | thin capital, net worth falling, leaning on borrowings | delinquency rising |
| 2017-09 | 5 | delinquency rising, repo signal | losing money, net worth falling |
| 2017-12 | 4 |  | delinquency rising |
| 2018-03 | 5 | delinquency rising |  |
| 2018-06 | 3 |  | repo signal, delinquency rising |
| 2018-09 | 2 |  | thin capital |
| 2018-12 | 2 |  |  |
| 2019-03 | 4 | thin capital, losing money |  |
| 2019-06 | 5 | repo signal, loans>95% of shares | thin capital |
| 2019-09 | 5 | thin capital | repo signal |
| 2019-12 | 4 | members leaving | losing money, thin capital |
| 2020-03 | 3 |  | loans>95% of shares |
| 2020-06 | 7 | thin capital, net worth falling, losing money, delinquency 2x band |  |
| 2020-09 | 4 |  | thin capital, net worth falling, delinquency 2x band |
| 2020-12 | 3 | expense trap | members leaving, losing money |
| 2021-03 | 2 | delinquency 2x band | leaning on borrowings, expense trap |
| 2021-06 | 3 | net worth falling |  |
| 2021-09 | 4 | delinquency rising, loan book shrinking | net worth falling |
| 2021-12 | 3 |  | loan book shrinking |
| 2022-03 | 3 | repo signal | delinquency rising |
| 2022-06 | 4 | members leaving |  |
| 2022-09 | 2 |  | delinquency 2x band, members leaving |
| 2022-12 | 3 | net worth falling |  |
| 2023-03 | 5 | thin capital, leaning on borrowings |  |
| 2023-06 | 4 | delinquency 2x band | net worth falling, thin capital |
| 2023-09 | 5 | delinquency rising |  |
| 2023-12 | 5 | net worth falling, losing money | delinquency 2x band, delinquency rising |
| 2024-03 | 7 | delinquency 2x band, delinquency rising |  |
| 2024-06 | 5 |  | net worth falling, delinquency rising |
| 2024-09 | 6 | assets shrinking |  |
| 2024-12 | 7 | delinquency rising |  |
| 2025-03 | 6 |  | delinquency rising |
| 2025-06 | 6 | net worth falling | delinquency 2x band |
| 2025-09 | 6 | members leaving | net worth falling |
| 2025-12 | 6 |  |  |
| 2026-03 | 5 |  | losing money |

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

- 2025-07-01 [Star USA FCU embraces ATM outsourcing - ATM Marketplace](https://news.google.com/rss/articles/CBMihAFBVV95cUxNVGpXSmwxY3gxTjdpUk9iNW96aXBEaEl2WlViR0hTc0o1VXp4alZ4TWdUTVJOQm5XVGdoWWx4VFV4Y2swSDFPZkc2YzZfeGsxRDBuWWhzdEVHbHRfaTBLMnZDa3pvREZObWdLTVJLZEtUcDFoSjJ4VVd6RXFfZlQ0NnFsSUc?oc=5) · ATM Marketplace
- 2021-10-08 [Huntington police investigating after credit union robbery reported - WCHS](https://news.google.com/rss/articles/CBMirAFBVV95cUxOUU9FQm5pMVJ0ZlA1RUpNc0x1UEFhT2FnYW02SU9kaEFxbXVOb0xaVndSOFBrSlhodnd2MlNHa1QxNkcyQURKVzRnbHFGaE4tVmNMWlExeFVWc1gxeUdHbFF6M3NRUnByRWNTeEhIcW40YUFLY3NQYzktSDVWU2lLbnV6bmtnOE9fcDk2UHhRamR2VVdiMXluUUVNOGdMckNCVTI3QmJSVnZoZmhF?oc=5) · WCHS
- 2024-03-01 [Former Navy SEAL, Chris Fussell joins Almost Heaven Classic keynote panel - West Virginia Press Association](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNMUl3akFBaVRJb2dtVHBWR0NISjd5VU9KcXpmWDk3TjVPRFZzdkRiUTFrYXVpREFJb3hLYzI2Uk5xMTZ3b1ROOUNNcFFOeDNUQ3VoU3RwYjREeUVQM0VSaHNoSEU3elFQM01pZEZjWktGYng2OUdKQVZQQU5URFl3azhWZUhoMElZVXhCVkdiYk11dlJGS2ZzSkVqN1BzMGpwVkR6SGdESEI4UQ?oc=5) · West Virginia Press Association
- 2021-10-12 [Huntington Police, FBI seek information following armed bank robbery - wsaz.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxOMjlxXzNBMlE4dFNoUW9ZLTZvMmJXMzF2eFh3ZjdnSXZ0YnZwVG1qVVNkZlllRHFNeDhkVnBEZURITVVxTDVFMkYwQjVrOFk2Sk5wME9oWUNpb3RFSHZHSnFmRnJoWjByb3g0SXhXcTgyMGdqWGQ4WDFrWGlIY05DZU41UkNLdzNHZnJRbzdacnlsN3JOeGV4d0E3ajB1UzcxdkHSAbYBQVVfeXFMTmsyZTlVV1hrRFJLME5NdnpuSEhFN2daei1MeHNpVGhNOHYzUmlyREx0TVNQbi1tTmpDT2NFSlQ1LTZHdjRsdzJIQmFoVVBUbVpWNjJxc19HMnI2SzJYLTByUG1uZVc0bVJ1ZTRuSFR0Sl9CTmtuS0lQdUE2TkhrNXZxUHlkdlpTTW9aTWY5bERFakNBSHhDTXB1SHN6eXk4aUt0OHRyNWgyazBWbWV4UUE4c3hMWVE?oc=5) · wsaz.com
- 2021-10-12 [Huntington police say two masked men robbed credit union - WCHS](https://news.google.com/rss/articles/CBMijwFBVV95cUxPY2FrVllsdEFvOFRrSXR3cFc4WWtuT2x2SGZkaWhjN3lzV0h4UFNSWURqWDJnOUFSdTh5d1dCR2xXUnU0NklIdEdyenNfMmNOa1pHSjctOTVoRXFuUWlpOVJjYjAxb3BmbHlZNzZwWFBETC05ei1YR25yRmpLMUY5czM4b25WcTEtdWtuRXBXMA?oc=5) · WCHS
- 2017-01-24 [Former Credit Union Employee Sentenced to Two Years - WV News](https://news.google.com/rss/articles/CBMi2gFBVV95cUxPZ1czU0ZreFQ5SDQ0eTVLM3ppVEVIeUpuZEdmckdhNDR6X0t4VmttVDFxTnZ1UmdCdi1YMGdsUEtWNkVjbUVoQWwxWEFqa2F1c1RZTkpZd0RDLWZyakhRTzFUal9TdUdxNVJkUVFLbzhBWkliMld4T1RXMERTWUdfTlJoY29nMmpxdWJUTk1KaXFTU1g0Wjc0SkhXZjlEVEJPaFZWRVVHYXRJZExENFpIcE5xT19DT1V0cGhobkFPaHc0WWg5QVpFWkIxZkl2ZkRrb1N3MXBMU25FZw?oc=5) · WV News
- 2025-08-21 [VyStar Credit Union partners with Kennesaw State University for arena naming rights, discounts, initiatives - ATM Marketplace](https://news.google.com/rss/articles/CBMi2gFBVV95cUxNTU1pU2RTZEstSHVTRk5Ic19TR2FiOV93LWlHSS1PQ2pOQ3NHU0VtU2djT1lSMklKaENpcXZ5OVRpQ0ZnQ2l1NklsaGZRd2tMRWJkUFc3Yzc0WUd1Zl8xMktTdzVzaXlObWplYk1hR1JlOXctbFM0eGFuakQ0cDFrR1B1dmo0Zkc2ZzhsbmttU19PbXY4YUR0UjRHMTlLZzZpa2JkamI1SC1oOTdhWkgyZ3dnSGdZX0VSSUZ6blhTZkltckdXYkZzVU1XaFFzTjI3aWxUTUh6NGtnQQ?oc=5) · ATM Marketplace
- 2021-10-15 [Man charged in armed bank robbery, identity of second suspect unknown - wsaz.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNajFfaTZCU0hDWEdRMHJzcTVhLVV2VEJfY1VOOHFzb0g5OE01WXVZUWx4eEdUNTV0cnFhMWhFYjdhQnZfZ0VILURkalp0N3l1NUxGZ2pDX1lSbk5QaFhhTXg3N3NBekttR1FSaTZ4MTRTN1VNNE5vV3MtcWZiZk4waTVDZHRKUlR4MEphMEdYdk1JLVXSAacBQVVfeXFMTWMwMU0zSktELXcyd2dQaXRtUUZOd21fak9KSnZUZnFEZEJ3VHNkdnhHcFFtLWl3TUlSZXVwQlpPbTBJZ1hicTBUc1Z0TXNjS0VJcVZ2Z1p3M3VNbXJoZzlPLV9JcDN4Y1ZtUXY4amdINHVzUDR4cFJYMFlWd29iaG5CNlVfcjR2UjdoUVlldlRjUVZ5Z2JuWUY0ZGpIZlBKdEFDZ2x6SDg?oc=5) · wsaz.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=911 (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/15.json (key "911", 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=911
- 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