TellerScore

Mirastar Federal Credit Union is a federal credit union headquartered in San Jose, California, in business for about 76 years. At the end of Q2 2026 it reported $1.0B in total assets and $941.3M in member shares and deposits, with 5 offices.

Based on its Q2 2026 filing, Mirastar Federal Credit Union scores 62/100, which we describe as moderate. That is higher than only 30% of 454 credit unions with $1 billion – $10 billion. Among 238 credit unions headquartered in California, it ranks 166th. Its strongest component is funding & liquidity (90/100; 70% loans-to-deposits, 10% uninsured), and its lowest is earnings (42/100; 0.54%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Net worth ratio: 9.87%
Loan quality66/100
Loans 60+ days delinquent ÷ total loans: 1.03%
Earnings42/100
Return on assets (annualized): 0.54%
Funding & liquidity90/100
Loans ÷ shares: 69.8% · 9.7% uninsured
Problem-loan coverage86/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.03%

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 fell 2 points (64 → 62), mostly because the funding & liquidity component weakened by 6 points.

TellerScore
616466Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202465
Q4 202462
Q1 202566
Q2 202564
Q3 202562
Q4 202561
Q1 202662
Q2 202662
Net worth ratio
7.00%8.55%10.11%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.66%
Q3 20249.65%
Q4 20249.93%
Q1 202510.03%
Q2 202510.11%
Q3 202510.05%
Q4 20259.74%
Q1 20269.75%
Q2 20269.87%
Delinquent loans (60+ days)
0.70%0.92%1.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.86%
Q3 20240.82%
Q4 20241.14%
Q1 20250.70%
Q2 20250.88%
Q3 20251.04%
Q4 20250.98%
Q1 20261.00%
Q2 20261.03%
Return on assets
0.41%0.55%0.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.69%
Q3 20240.66%
Q4 20240.61%
Q1 20250.42%
Q2 20250.47%
Q3 20250.42%
Q4 20250.41%
Q1 20260.53%
Q2 20260.54%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$1.0B9.87%1.03%0.54%69.8%
Q1 202662$1.0B9.75%1.00%0.53%69.8%
Q4 202561$1.0B9.74%0.98%0.41%68.9%
Q3 202562$982.7M10.05%1.04%0.42%64.7%
Q2 202564$968.7M10.11%0.88%0.47%63.8%
Q1 202566$963.3M10.03%0.70%0.42%62.2%
Q4 202462$962.8M9.93%1.14%0.61%62.3%
Q3 202465$983.5M9.65%0.82%0.66%63.0%
Q2 202465$966.3M9.66%0.86%0.69%59.7%

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).

Capital ratio9.87%
27th
Problem loans1.03%
27th
Net charge-offs0.59%
42nd
Return on assets0.54%
25th
Loans to deposits69.8%
86th
Uninsured deposits9.7%
45th
Loan-loss reserves0.00%
50th
Texas ratio7.0%
28th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
The Police Credit UnionCredit union San Bruno, CA69 out of 100, Moderate$1.0B12.3%0.89%vs
Water and Power Community Credit UnionCredit union Los Angeles, CA71 out of 100, Strong$1.0B10.2%0.61%vs
Blupeak Credit UnionCredit union San Diego, CA56 out of 100, Moderate$1.1B9.7%1.03%vs
Valley First Federal Credit UnionCredit union Modesto, CA62 out of 100, Moderate$1.1B9.8%0.71%vs
Safe 1 Credit UnionCredit union Bakersfield, CA90 out of 100, Very strong$1.2B16.0%0.37%vs
University Credit UnionCredit union Los Angeles, CA44 out of 100, Below average$1.2B8.7%1.45%vs

Deposit insurance

Is my money safe at Mirastar Federal Credit Union?

Yes. Mirastar Federal Credit Union is a federally insured credit union (NCUA charter #24299). 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 9.7% of shares and deposits ($91.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 9.87%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Mirastar Federal Credit Union lists 5 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Mirastar Federal Credit Union reported 318 home-loan applications under HMDA (LEI 549300MD3D3OC2CSGX39): 205 originated ($43,725,000 total), 48 denied, and 47 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.7%, 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.

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Visa Platinum Credit Card14.99%$0—2.0%

All Mirastar Federal Credit Union card terms

Identity & history

Profile

Legal name
Mirastar Federal Credit Union
Type
Federal credit union
NCUA charter #
24299
RSSD ID
438797
Primary regulator
NCUA
Established
1950
Headquarters
2099 Gateway Place, Suite 140, San Jose, CA 95110
Employees
136

Quick answers

Mirastar Federal Credit Union: common questions

Is Mirastar Federal Credit Union NCUA insured?

Yes. Mirastar Federal Credit Union is a federally insured credit union (NCUA charter #24299). 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 Mirastar Federal Credit Union's TellerScore?

62 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 Mirastar Federal Credit Union have?

5 offices as of the latest NCUA data.