TellerScore

Headquartered in Austin, Texas, Star of Texas Credit Union is a federally insured state-chartered credit union with $71.6M in total assets and $54.1M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1952.

Star of Texas Credit Union has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 32% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 250th. Capital cushion contributes the most (100/100, 22.32%); loan quality contributes the least (0/100, 3.79%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 22.32%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 3.79%
Earnings100/100
Return on assets (annualized): 3.94%
Funding & liquidity59/100
Loans ÷ shares: 98.7% · 17.1% uninsured
Problem-loan coverage74/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 13.16%

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 23 points (89 → 66), mostly because the loan quality component weakened by 94 points.

TellerScore
668094Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202493
Q3 202494
Q4 202487
Q1 202583
Q2 202589
Q3 202588
Q4 202576
Q1 202683
Q2 202666
Net worth ratio
7.00%14.66%22.32%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.90%
Q3 202418.55%
Q4 202419.82%
Q1 202519.67%
Q2 202519.87%
Q3 202521.01%
Q4 202521.64%
Q1 202621.76%
Q2 202622.32%
Delinquent loans (60+ days)
0.10%1.94%3.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.15%
Q3 20240.10%
Q4 20240.74%
Q1 20250.92%
Q2 20250.17%
Q3 20250.69%
Q4 20251.93%
Q1 20260.99%
Q2 20263.79%
Return on assets
1.51%2.72%3.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20243.86%
Q3 20243.32%
Q4 20243.12%
Q1 20251.58%
Q2 20251.51%
Q3 20253.25%
Q4 20252.92%
Q1 20261.72%
Q2 20263.94%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$71.6M22.32%3.79%3.94%98.7%
Q1 202683$68.3M21.76%0.99%1.72%100.2%
Q4 202576$67.3M21.64%1.93%2.92%100.7%
Q3 202588$68.0M21.01%0.69%3.25%97.7%
Q2 202589$66.1M19.87%0.17%1.51%98.2%
Q1 202583$65.5M19.67%0.92%1.58%96.7%
Q4 202487$63.7M19.82%0.74%3.12%99.9%
Q3 202494$66.4M18.55%0.10%3.32%95.8%
Q2 202493$66.7M17.90%0.15%3.86%94.8%

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 ratio22.32%
83rd
Problem loans3.79%
9th
Net charge-offs0.30%
39th
Return on assets3.94%
99th
Loans to deposits98.7%
4th
Uninsured deposits17.1%
2nd
Loan-loss reserves0.00%
37th
Texas ratio13.2%
9th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Scott and White Employees Credit UnionCredit union Temple, TX92 out of 100, Very strong$71.7M18.5%0.75%vs
Service 1st Credit UnionCredit union Greenville, TX91 out of 100, Very strong$71.3M16.8%0.78%vs
Texas Plains Federal Credit UnionCredit union Amarillo, TX77 out of 100, Strong$71.2M14.3%0.78%vs
West Texas Credit UnionCredit union Odessa, TX58 out of 100, Moderate$70.3M9.3%1.07%vs
South Texas Federal Credit UnionCredit union McALLEN, TX47 out of 100, Below average$69.2M8.6%2.38%vs
Texan Sky Federal Credit UnionCredit union Dumas, TX82 out of 100, Strong$74.7M15.7%0.34%vs

Deposit insurance

Is my money safe at Star of Texas Credit Union?

Yes. Star of Texas Credit Union is a federally insured credit union (NCUA charter #67512). 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 17.1% of shares and deposits ($9.2M) 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 22.32%, 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

Star of Texas Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Star of Texas Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67512
RSSD ID
626192
Primary regulator
State + NCUA
Established
1952
Headquarters
114 E huntland dr, Austin, TX 78752
Employees
9

Quick answers

Star of Texas Credit Union: common questions

Is Star of Texas Credit Union NCUA insured?

Yes. Star of Texas Credit Union is a federally insured credit union (NCUA charter #67512). 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 Star of Texas Credit Union's TellerScore?

66 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 Star of Texas Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Austin

InstitutionScoreAssetsCapitalProblem loansCompare
Pecu Credit UnionCredit union Austin, TX86 out of 100, Very strong$431.4M14.8%0.47%vs
Citizens National BankBank Cameron, TX86 out of 100, Very strong$691.8M12.7%0.00%vs
Falcon International BankBank Laredo, TX85 out of 100, Very strong$2.2B13.4%0.00%vs
Lcra Credit UnionCredit union Austin, TX83 out of 100, Strong$20.2M16.0%0.41%vs
Vatat Credit UnionCredit union Austin, TX82 out of 100, Strong$11.0M17.9%0.74%vs
The City National Bank of TaylorBank Taylor, TX82 out of 100, Strong$250.3M12.9%0.38%vs