MIRASTAR Credit Union Profile

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MIRASTAR

Charter #24299 | NCUA Region 3 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (408) 282-0700

Fax:

Founding Date: N/A

Website: http://www.mirastarfcu.org

Personnel & Operations

President: Hess, Traci

Manager: Reynolds Lytle, Rebecca

FT Employees: 130

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 20.24%

Membership Type: 36

Branches: 7

Hours: 9:00am to 5:00pm

Credit Union Profile Summary

MIRASTAR is a FCU Credit Union. With a total of 47,543 members [1], this institution manages approximately $968,736,138 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 10.11% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 5.28% [1].

Financial Snapshot

Total Assets [1]
$968,736,138

Total economic resources.

Total Loans [1]
$555,432,850

Total value of outstanding loans.

Total Deposits [1]
$870,384,495

Total funds deposited by members.

Members [1]
47,543

Number of active members.

Performance Ratios

Net Worth Ratio [1]
10.11%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.47%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
63.81%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 0.25%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 5.28%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 0.83%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

2099 Gateway Pl Ste 140

San Jose, CA, 95110
Open in Google Maps

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 7 branches reported by MIRASTAR (Charter #24299).

Main Office

Corporate Center Main Office

Type: Corporate Office

1641 N 1st ST Ste 245

San Jose, CA 95112-4519

Phone: (408) 282-0700

Services: Member Services, ATM

Open in Directions

Additional Branches

Campbell

Campbell Branch

Type: Branch Office

1638 W Campbell Ave

Campbell, CA 95008

Phone: (408) 947-3166

Services: Member Services, ATM

Open in Directions

Gilroy

Gilroy Branch

Type: Branch Office

6915 Camino Arroyo

Gilroy, CA 95020

Phone: (408) 947-3161

Services: Member Services, ATM

Open in Directions

San Jose

Almaden Branch

Type: Branch Office

5353 Almaden Expy

San Jose, CA 95118

Phone: (408) 947-3172

Services: Member Services, ATM

Open in Directions

City Centre Branch

Type: Branch Office

140 E San Fernando St

San Jose, CA 95112

Phone: (408) 938-2880

Services: Member Services, ATM

Open in Directions

East San Jose Branch

Type: Branch Office

255 N White Rd

San Jose, CA 95127

Phone: (408) 938-2894

Services: Member Services, ATM

Open in Directions

West Hedding

Type: Branch Office

70 W Hedding St

San Jose, CA 95110-1705

Phone: (408) 392-1881

Services: Member Services, ATM

Open in Directions