# COMMUNITY STAR
Elyria, OH · NCUA charter 95008 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/community-star-95008

Who the members are: state charter, organized 1938, low-income designated. 7,732 members of 530,000 potential (1.5% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 40.

**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 | $102.5M |
| Members | 7,732 (-2.5% YoY) |
| Full-time staff | 26 |
| Net worth | $9.8M |
| Net worth ratio | 9.6% (p22 of band) |
| ROA (annualized) | 0.97% (p67 of band) |
| Total delinquency | 0.45% (p37 of band) |
| Net charge-offs (annualized) | 0.31% (p47 of band) |
| Loans / shares | 74% (p58 of band) |
| Cash / assets | 18.8% |
| Borrowings / assets | 1.46% |
| Net interest margin | 3.33% (p31 of band) |
| Operating expense / assets | 3.86% (p58 of band) |
| Vehicles % of loans | 39% (p54 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 43% |
| Third-party paper % of net worth | 126% (p74 of band) |
| Vehicle delinquency | 0.03% (p7 of band) |
| Vehicle NCO | 0.01% (p16 of band) |
| Repossessed % of vehicle book | 0.06% (p75 of band) |
| Real estate % of loans | 41% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 103% |
| Core shares % of member funds | 65% |
| Certificates % of member funds | 21% |
| Average share balance | $5,679 |
| Participations bought / yr | $666,816 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $21,567 |
| Loans granted, annualized | $16.6M |

## Flags firing in the latest filing

- **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 | 2 | thin capital |  |
| 2016-09 | 2 | expense trap | thin capital |
| 2016-12 | 2 |  |  |
| 2017-03 | 6 | thin capital, net worth falling, losing money, delinquency rising |  |
| 2017-06 | 7 | delinquency 2x band |  |
| 2017-09 | 7 | auto monoline | net worth falling |
| 2017-12 | 7 |  |  |
| 2018-03 | 8 | net worth falling |  |
| 2018-06 | 4 |  | losing money, delinquency rising, auto monoline, net worth falling |
| 2018-09 | 3 |  | delinquency 2x band |
| 2018-12 | 5 | delinquency 2x band, delinquency rising, assets shrinking | thin capital |
| 2019-03 | 4 | margin squeeze | expense trap, assets shrinking |
| 2019-06 | 4 |  |  |
| 2019-09 | 3 |  | delinquency 2x band |
| 2019-12 | 3 | loan book shrinking | delinquency rising |
| 2020-03 | 2 | losing money | margin squeeze, loan book shrinking |
| 2020-06 | 4 | thin capital, net worth falling, margin squeeze | losing money |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 | net worth falling | 3rd-party paper>100% NW, margin squeeze |
| 2021-06 | 2 | members leaving | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 | delinquency rising | members leaving |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 2 | 3rd-party paper>100% NW |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | members leaving |  |
| 2024-03 | 4 | net worth falling |  |
| 2024-06 | 3 |  | net worth falling |
| 2024-09 | 2 |  | members leaving |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | thin capital |
| 2025-06 | 2 | delinquency rising |  |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2025-12-23 [CommStar Credit Union branch to open in Grafton - Chronicle Telegram](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNSEtadThOZEdWbzdSYVZfS1ZyelBkNnJiNHhaeTNESFN3dHpqZnM3WTY0UkVBOVRSUUxoNUU0WjlyVVBKMTBzVUtJVWNlZ1c0VlIzQXpDUlVpX3ZYVm53YzVDd0pPOUVwOUx3YkNJdjJ6aWdIbm5NVXE4WWF4TFhyR3QyRkZhaGtZVWtR?oc=5) · Chronicle Telegram
- 2025-06-17 [Elizabeth Patrick named chief lending officer at Community Star Credit Union - Morning Journal](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPR213ZDY4LUJQOGtLVUtkR0M2QU8wT1hxa0MyQjJWazJuZENKbGRDZXY4U3NXMzByUWNMNWMzVHA5T0xyVUVwX3dZVC1RMnZlakN4a3k2T01Jb1J6RERDNk9UQW1idXYtUGFpcTRpdW5TX1diX1VMOTNGZENLczJYYXB6Y195bFY1LTdiM0xhWk1iMW5HbXlsV25HUEZnMzBiSXR2T0oyMlFWdzBUZDdSV0MxblNsVDVBX0FB?oc=5) · Morning Journal
- 2024-01-17 [Google Wallet now supports 44 more banks — here's the new additions - androidpolice.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNc2tTNzBQQjlWRmhZQnBFTFdzVlVWWDBwcUc0TkhyNWl4T1dfM0hLU3oxNDZPdlhqWV9mWmEyd3VRWVA0enVPaWk0SGFwSm9QM2E2X2M5ckpOblU2cF9lQkNZbzl6alFweWE0M25fYVZQdVBqV3BtNzIzRDJYNjhZTWw1QkZBUHI5VDBlbmVB?oc=5) · androidpolice.com
- 2024-01-17 [Google Wallet adds support for over 40 more banks including Venmo - 9to5Google](https://news.google.com/rss/articles/CBMiekFVX3lxTFBFRngyX0h6VU1CeWUyekdkbkZZZVNmUXJCOTRqb0w5T1lDR3VVTV9uZi00T3VzTXh5VVZraEJhaGFZTFU5T1F0M1RDSlU3RkVMUlFVNF95Mk90WVk2bXQybE9YSjg3dEdNWVB2dnZtZnRFSzRlUE95cnp3?oc=5) · 9to5Google
- 2014-01-08 [PICS: Lorain bank robber on the loose - Cleveland 19 News](https://news.google.com/rss/articles/CBMigAFBVV95cUxOdVBrNExpSEpVME8yeEJocTFlaDNtc1VpQ0NUb3FUNENiSE5yZUV2YlFieml0dG51UDZnVFhDbjlUaUx5RUNBcHIzbWo4THRoaHV6bzI1amFvUXZfMGw4emgwbVFEYVN1cy1BczlWM2VXcXdFRHVlbGhTRXlyY25qRtIBkwFBVV95cUxQbWROVGJJblpsT00td1RybUw5Q3c3Y1VqSGdfdGpEVWZjSVZmQTQ3QXl3WTMwR3pvc2V2enhGdUEzdHVENUJTZkE2SmpuQWtWNHR1NkZlQmVSTU91T0k3U0x1SGdGZS1WZUJnYXdIczB0aHFrRXlBLVBaaUFYSTJ4dGN3MHljaDNUNjRWT3o2Sk13YUk?oc=5) · Cleveland 19 News
- 2024-01-21 [Google Wallet Expands: 44 New Banks Now Supported - gizchina.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPWkpLVFYtZW1zXzVFbVEyNVdRazZxdGcta1M1c3psdFZBNV9fUnZWeFFTXzZKc0JQVzhNYkktLXdEdWlGMlBJNk1pWTVOWVJLbTFWclVrTGpjUWNQellBODVYUHdjbFZCYlR4Nk0tSnBxZEVUdC1ZaC1TeHJiYlJRRFRublk?oc=5) · gizchina.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=95008 (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 "95008", 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=95008
- 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