TellerScore

Headquartered in Elyria, Ohio, Community Star Credit Union is a non-federally insured state credit union with $102.7M in total assets and $90.7M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1938.

Based on its Q2 2026 filing, Community Star Credit Union scores 67/100, which we describe as moderate. That is higher than only 41% of 1,341 credit unions with $100 million – $1 billion. Among 192 credit unions headquartered in Ohio, it ranks 120th. Its strongest component is problem-loan coverage (92/100; 4.1%), and its lowest is capital cushion (47/100; 9.73%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Net worth ratio: 9.73%
Loan quality82/100
Loans 60+ days delinquent ÷ total loans: 0.55%
Earnings53/100
Return on assets (annualized): 0.83%
Funding & liquidity85/100
Loans ÷ shares: 75.3% · 0.0% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.09%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (64 → 67), mostly because the capital cushion component improved by 6 points.

TellerScore
626669Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202463
Q4 202462
Q1 202567
Q2 202564
Q3 202567
Q4 202564
Q1 202669
Q2 202667
Net worth ratio
7.00%8.37%9.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.80%
Q3 20248.90%
Q4 20248.92%
Q1 20259.03%
Q2 20259.09%
Q3 20259.49%
Q4 20259.37%
Q1 20269.58%
Q2 20269.73%
Delinquent loans (60+ days)
0.34%0.57%0.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.40%
Q3 20240.54%
Q4 20240.59%
Q1 20250.34%
Q2 20250.67%
Q3 20250.56%
Q4 20250.81%
Q1 20260.45%
Q2 20260.55%
Return on assets
0.41%0.72%1.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.41%
Q3 20240.53%
Q4 20240.58%
Q1 20250.89%
Q2 20250.81%
Q3 20251.02%
Q4 20250.88%
Q1 20260.97%
Q2 20260.83%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$102.7M9.73%0.55%0.83%75.3%
Q1 202669$102.5M9.58%0.45%0.97%73.6%
Q4 202564$102.1M9.37%0.81%0.88%76.5%
Q3 202567$100.8M9.49%0.56%1.02%79.1%
Q2 202564$101.2M9.09%0.67%0.81%77.7%
Q1 202567$99.8M9.03%0.34%0.89%77.7%
Q4 202462$98.6M8.92%0.59%0.58%75.7%
Q3 202463$98.2M8.90%0.54%0.53%73.8%
Q2 202463$97.1M8.80%0.40%0.41%73.4%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.73%
24th
Problem loans0.55%
60th
Net charge-offs0.05%
92nd
Return on assets0.83%
57th
Loans to deposits75.3%
51st
Uninsured deposits0.0%
98th
Loan-loss reserves0.00%
50th
Texas ratio4.1%
50th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Commodore Perry Federal Credit UnionCredit union Oak Harbor, OH51 out of 100, Below average$102.3M10.2%1.82%vs
Golden Circle Credit UnionCredit union Massillon, OH66 out of 100, Moderate$107.3M15.6%2.24%vs
Bay Area Credit UnionCredit union Oregon, OH68 out of 100, Moderate$107.9M11.6%1.21%vs
Ohio Healthcare Federal Credit UnionCredit union Dublin, OH61 out of 100, Moderate$108.2M9.7%0.72%vs
Friends and Family Credit Union IncCredit union Massillon, OH59 out of 100, Moderate$111.0M8.1%0.32%vs
Riverview Federal Credit UnionCredit union Belpre, OH56 out of 100, Moderate$113.4M9.1%1.54%vs

Deposit insurance

Is my money safe at Community Star Credit Union?

Community Star Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.73%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Community Star Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Community Star Credit Union reported 52 home-loan applications under HMDA (LEI 549300VZCSVVY5P73G51): 43 originated ($6,525,000 total), 2 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Community Star Credit Union
Type
Non-federally insured state credit union
NCUA charter #
95008
RSSD ID
930693
Primary regulator
State + NCUA
Established
1938
Headquarters
832 Cleveland St, Elyria, OH 44035
Employees
28

Quick answers

Community Star Credit Union: common questions

Is Community Star Credit Union NCUA insured?

Community Star Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

What is Community Star Credit Union's TellerScore?

67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Community Star Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Elyria

InstitutionScoreAssetsCapitalProblem loansCompare
Credit First National AssociationBank Brook Park, OH94 out of 100, Very strong$39.8M98.3%0.00%vs
Lormet Community Federal Credit UnionCredit union Amherst, OH91 out of 100, Very strong$283.3M13.7%0.15%vs
Acme Federal Credit UnionCredit union Eastlake, OH88 out of 100, Very strong$15.2M18.9%0.18%vs
Cleveland Selfreliance Federal Credit UnionCredit union Parma, OH88 out of 100, Very strong$113.7M17.3%0.01%vs
Medina County Federal Credit UnionCredit union Wadsworth, OH88 out of 100, Very strong$151.3M12.3%0.09%vs
Latvian Cleveland Credit UnionCredit union Lakewood, OH85 out of 100, Very strong$28.1M20.3%0.00%vs