TellerScore

Side-by-side · Q2 2026 data

F3 Credit Union vs Star One Credit Union

Credit union

F3 Credit Union

San Jose, California · $100 million – $1 billion

80of 100
Strong

Credit union

Star One Credit Union

Sunnyvale, California · $1 billion – $10 billion

77of 100
Strong

Metric by metric

MeasureF3 Credit UnionStar One Credit Union
TellerScore80 (stronger)77
Capital cushion100 (stronger)91
Loan quality6596 (stronger)
Earnings47 (stronger)25
Funding & liquidity100 (stronger)71
Problem-loan coverage9499 (stronger)
Peer percentile78th82nd
Total assets$236.8M$9.7B
Deposits / shares$196.8M$8.4B
Capital ratio18.47% (stronger)14.06%
Problem loans1.05%0.13% (stronger)
Net charge-offs1.00%0.04% (stronger)
Return on assets0.68% (stronger)0.12%
Loans ÷ deposits55.0% (stronger)80.5%
Uninsured deposits5.9% (stronger)22.9%
Offices47
CFPB complaints (3 yrs)——
Complaints per $1B deposits——
Mortgage denial rate (HMDA)—24.0%

F3 Credit Union has the higher TellerScore (80 vs 77). On the 7 directional measures above (where higher or lower is clearly better), F3 Credit Union leads on 5 and Star One Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.

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