Five Star Credit Union is a federally insured state-chartered credit union headquartered in Dothan, Alabama, in business for about 62 years. At the end of Q2 2026 it reported $1.3B in total assets and $1.1B in member shares and deposits, with 26 offices across 2 states.
Five Star Credit Union has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 66% of its 454 credit unions with $1 billion – $10 billion. Among 88 credit unions headquartered in Alabama, it ranks 50th. Capital cushion contributes the most (88/100, 13.82%); loan quality contributes the least (50/100, 1.50%).
TellerScore · Q2 2026
Scorecard
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 (69 → 72), mostly because the earnings component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 71 |
| Q4 2024 | 72 |
| Q1 2025 | 75 |
| Q2 2025 | 69 |
| Q3 2025 | 70 |
| Q4 2025 | 73 |
| Q1 2026 | 73 |
| Q2 2026 | 72 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.97% |
| Q3 2024 | 12.97% |
| Q4 2024 | 13.14% |
| Q1 2025 | 13.00% |
| Q2 2025 | 13.28% |
| Q3 2025 | 13.46% |
| Q4 2025 | 13.52% |
| Q1 2026 | 13.60% |
| Q2 2026 | 13.82% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.38% |
| Q3 2024 | 0.69% |
| Q4 2024 | 0.83% |
| Q1 2025 | 0.93% |
| Q2 2025 | 1.64% |
| Q3 2025 | 1.51% |
| Q4 2025 | 1.22% |
| Q1 2026 | 1.34% |
| Q2 2026 | 1.50% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.21% |
| Q3 2024 | 0.25% |
| Q4 2024 | 0.47% |
| Q1 2025 | 0.88% |
| Q2 2025 | 0.83% |
| Q3 2025 | 0.91% |
| Q4 2025 | 0.92% |
| Q1 2026 | 1.03% |
| Q2 2026 | 1.09% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $1.3B | 13.82% | 1.50% | 1.09% | 79.2% |
| Q1 2026 | 73 | $1.3B | 13.60% | 1.34% | 1.03% | 78.5% |
| Q4 2025 | 73 | $1.2B | 13.52% | 1.22% | 0.92% | 78.5% |
| Q3 2025 | 70 | $1.2B | 13.46% | 1.51% | 0.91% | 74.8% |
| Q2 2025 | 69 | $1.2B | 13.28% | 1.64% | 0.83% | 71.5% |
| Q1 2025 | 75 | $1.2B | 13.00% | 0.93% | 0.88% | 69.8% |
| Q4 2024 | 72 | $1.2B | 13.14% | 0.83% | 0.47% | 73.5% |
| Q3 2024 | 71 | $1.2B | 12.97% | 0.69% | 0.25% | 73.8% |
| Q2 2024 | 71 | $1.2B | 12.97% | 0.38% | -0.21% | 75.1% |
454 peers · $1 billion – $10 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).
Similar-size credit unions in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Guardian Credit UnionCredit union Prattville, AL | 57 out of 100, Moderate | $1.3B | 9.5% | 1.45% | vs |
| Family Savings Credit UnionCredit union Rainbow City, AL | 55 out of 100, Moderate | $1.2B | 8.9% | 1.03% | vs |
| Avadian Credit UnionCredit union Birmingham, AL | 69 out of 100, Moderate | $1.4B | 10.3% | 0.46% | vs |
| Family Security Credit UnionCredit union Decatur, AL | 95 out of 100, Very strong | $1.1B | 19.9% | 0.61% | vs |
| Listerhill Credit UnionCredit union Sheffield, AL | 69 out of 100, Moderate | $1.5B | 11.1% | 0.62% | vs |
| Alabama One Credit UnionCredit union Tuscaloosa, AL | 59 out of 100, Moderate | $1.5B | 9.1% | 0.85% | vs |
Deposit insurance
Is my money safe at Five Star Credit Union?
Yes. Five Star Credit Union is a federally insured credit union (NCUA charter #68302). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 11.8% of shares and deposits ($128.0M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 13.82%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
26 locations
Branches
Five Star Credit Union lists 26 offices in 18 cities across 2 states. Most locations:
- Dothan, AL (6)
- Macon, GA (3)
- Blakely, GA (2)
- Bainbridge, GA (1)
- Cairo, GA (1)
- Camilla, GA (1)
- Cottonwood, AL (1)
- Enterprise, AL (1)
- Eufaula, AL (1)
- Georgetown, GA (1)
- Headland, AL (1)
- Leesburg, GA (1)
HMDA 2025
Mortgage lending
In 2025, Five Star Credit Union reported 727 home-loan applications under HMDA (LEI 549300IOM384RW3HWE57): 334 originated ($67,540,000 total), 182 denied, and 70 withdrawn or closed by the applicant. Its denial rate on decided applications was 27.7%, 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
- Five Star Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68302
- RSSD ID
- 691583
- Primary regulator
- State + NCUA
- Established
- 1964
- Headquarters
- Po Box 2028, Dothan, AL 36302
- Employees
- 271
Quick answers
Five Star Credit Union: common questions
Is Five Star Credit Union NCUA insured?
Yes. Five Star Credit Union is a federally insured credit union (NCUA charter #68302). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Five Star Credit Union's TellerScore?
72 out of 100 (Strong), 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 Five Star Credit Union have?
26 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Dothan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Friend BankBank Slocomb, AL | 85 out of 100, Very strong | $221.0M | 13.5% | 0.48% | vs |
| Southern Energy Credit UnionCredit union Birmingham, AL | 84 out of 100, Strong | $3.6B | 14.6% | 0.23% | vs |
| BankSouthBank Dothan, AL | 84 out of 100, Strong | $221.5M | 19.1% | 0.02% | vs |
| Georgia Community BankBank Albany, GA | 78 out of 100, Strong | $375.0M | 13.7% | 1.25% | vs |
| The First National Bank of HartfordBank Hartford, AL | 75 out of 100, Strong | $173.0M | 12.9% | 1.19% | vs |
| BankPlusBank Belzoni, MS | 71 out of 100, Strong | $8.4B | 10.8% | 0.64% | vs |