TellerScore

Mountain Star Federal Credit Union (NCUA charter #856) is based in El Paso, Texas. Its Q2 2026 call report shows $46.5M in total assets and $35.5M in member shares and deposits and 1 office.

Mountain Star Federal Credit Union has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 93rd. Capital cushion contributes the most (100/100, 18.45%); earnings contributes the least (63/100, 1.09%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.45%
Loan quality77/100
Loans 60+ days delinquent ÷ total loans: 0.70%
Earnings63/100
Return on assets (annualized): 1.09%
Funding & liquidity78/100
Loans ÷ shares: 82.6% · 4.4% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.99%

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 12 points (95 → 83), mostly because the earnings component weakened by 37 points.

TellerScore
838995Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202489
Q3 202488
Q4 202492
Q1 202593
Q2 202595
Q3 202591
Q4 202591
Q1 202693
Q2 202683
Net worth ratio
7.00%12.73%18.45%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.75%
Q3 202413.82%
Q4 202415.07%
Q1 202514.53%
Q2 202516.06%
Q3 202518.01%
Q4 202518.28%
Q1 202618.00%
Q2 202618.45%
Delinquent loans (60+ days)
0.17%0.49%0.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.65%
Q3 20240.81%
Q4 20240.63%
Q1 20250.39%
Q2 20250.17%
Q3 20250.59%
Q4 20250.56%
Q1 20260.39%
Q2 20260.70%
Return on assets
1.09%5.14%9.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.93%
Q3 20242.38%
Q4 20242.60%
Q1 20252.34%
Q2 20254.17%
Q3 20255.41%
Q4 20254.52%
Q1 20269.20%
Q2 20261.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$46.5M18.45%0.70%1.09%82.6%
Q1 202693$46.6M18.00%0.39%9.20%85.1%
Q4 202591$45.5M18.28%0.56%4.52%87.3%
Q3 202591$44.9M18.01%0.59%5.41%83.3%
Q2 202595$44.8M16.06%0.17%4.17%79.9%
Q1 202593$44.9M14.53%0.39%2.34%74.5%
Q4 202492$41.6M15.07%0.63%2.60%74.0%
Q3 202488$43.1M13.82%0.81%2.38%69.4%
Q2 202489$42.2M13.75%0.65%2.93%67.7%

2,479 peers · Under $100 million in assets

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 ratio18.45%
71st
Problem loans0.70%
50th
Net charge-offs0.87%
17th
Return on assets1.09%
71st
Loans to deposits82.6%
16th
Uninsured deposits4.4%
25th
Loan-loss reserves0.00%
37th
Texas ratio3.0%
42nd

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Starr County Teachers Federal Credit UnionCredit union Rio Grande City, TX93 out of 100, Very strong$47.4M16.9%0.51%vs
Hockley County Credit UnionCredit union Levelland, TX63 out of 100, Moderate$45.4M9.4%0.65%vs
Cabot Community Credit UnionCredit union Pampa, TX84 out of 100, Strong$45.3M15.9%1.16%vs
Lufkin Federal Credit UnionCredit union Lufkin, TX99 out of 100, Very strong$47.8M26.3%0.14%vs
Cherokee County Federal Credit UnionCredit union Rusk, TX78 out of 100, Strong$44.8M27.3%1.11%vs
Houston Highway Credit UnionCredit union Houston, TX64 out of 100, Moderate$48.4M10.9%1.14%vs

Deposit insurance

Is my money safe at Mountain Star Federal Credit Union?

Yes. Mountain Star Federal Credit Union is a federally insured credit union (NCUA charter #856). 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 4.4% of shares and deposits ($1.6M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 18.45%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Mountain Star Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Mountain Star Federal Credit Union
Type
Federal credit union
NCUA charter #
856
RSSD ID
201674
Primary regulator
NCUA
Established
1935
Headquarters
2229 E Yandell Dr, El Paso, TX 79903
Employees
19

Quick answers

Mountain Star Federal Credit Union: common questions

Is Mountain Star Federal Credit Union NCUA insured?

Yes. Mountain Star Federal Credit Union is a federally insured credit union (NCUA charter #856). 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 Mountain Star Federal Credit Union's TellerScore?

83 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 Mountain Star Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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