STAR USA Credit Union Profile

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STAR USA

Charter #911 | NCUA Region 1 | FCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (304) 357-2319

Fax: (304) 357-2291

Founding Date: N/A

Website: http://www.star.coop

Personnel & Operations

President: Epps, Tom

Manager: Smithson, Jr, Daniel

FT Employees: 35

PT Employees: 5

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 5

Hours: M-F 9-5 Sat 9-1

Credit Union Profile Summary

STAR USA is a FCU Credit Union. With a total of 14,925 members ^[1], this institution manages approximately $160,599,422 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 9.83% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -4.67% ^[1].

Financial Snapshot

Total Assets ^[1]

$160,599,422

Total economic resources.

Total Loans ^[1]

$109,033,624

Total value of outstanding loans.

Total Deposits ^[1]

$134,905,206

Total funds deposited by members.

Members ^[1]

14,925

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

9.83%

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]

-0.71%

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

Loan-to-Share Ratio ^[1]

80.82%

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

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↓ -5.23%

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

Loan Growth (4Q) ^[1]

↓ -4.67%

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

Member Growth (4Q) ^[1]

↓ -2.71%

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

Headquarters Location & Map

Headquarters Address

1 Cantley Dr

Charleston, WV, 25314-1089

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

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