El Paso, Texas · Peer group 3
Mountain Star Credit Union
Mountain Star Credit Union holds $46.6M in assets across 4,784 members as of Q1 2026 — about $10K of assets per member, on a charter dating to 1935. Charter number 856, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $46.6M |
|---|---|
| Total loans | $30.2M |
| Total shares (deposits) | $35.6M |
| Net worth | $8.4M |
| Members | 4,784 |
| Assets per member | $10K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 3.6% | |
|---|---|---|
| Loans | 17.7% | higher than 97% of its peer group |
| Deposits | 3.1% | around the 64th percentile of its peer group |
| Members | 9.8% | higher than 98% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 85.1% | around the 89th percentile of its peer group |
|---|---|---|
| Net worth ratio | 18.0% | around the 76th percentile of its peer group |
| Return on assets | 9.20% | higher than 100% of its peer group |
| Delinquency ratio | 0.39% | around the 41st percentile of its peer group |
| Cash / assets | 9.7% | around the 42nd percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Mountain Star Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Texas — the comparison set a peer ratio is measured against.
- Lufkin Credit Union
Lufkin, TX
$46.9M · 5,103 members
- Starr County Teachers Credit Union
Rio Grande City, TX
$46.2M · 4,581 members
- Houston Highway Credit Union
Houston, TX
$47.4M · 3,264 members
- Cherokee County Credit Union
Rusk, TX
$45.5M · 4,860 members
- Hockley County Credit Union
Levelland, TX
$43.8M · 4,197 members
- Cabot Community Credit Union
Pampa, TX
$43.3M · 4,436 members
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