Mountain Star FCU: Overview of the Credit Union

The credit union first came into existence in 1935 and has been operating for the last 87 years. Mountain Star FCU is based in the state of Texas and is also the 213th largest credit union operating in the state; this is calculated based on its total assets. Credit unions are regulated by the National Credit Union Administration (NCUA), which is an independent agency that was created by the U.S. government in 1970. The NCUA also insures customer deposits at credit unions in the country. The company has a total of 1 branch and employs a total of 11 employees.

Discussion of the Credit Union’s Operations

The credit union currently has total assets of $38 million, total deposits of $34 million and net loans outstanding of $12 million. On average its members had a total of $8,549 deposited with the credit union – this is a helpful metric to monitor as it provides us with an idea of the level of engagement of the credit union’s membership base. The average credit union in Mountain Star FCU’s peer set has a loan to deposit ratio of approximately 49%. In comparison, Mountain Star FCU has a loan to deposit ratio of 36% which is clearly lower than the peer set. A lower ratio is generally better as it indicates that the lending activities of a credit union are more comfortably covered by its deposit base. Deposits are often the most cost effective source of funding for banks and credit unions. Moving on to the credit union’s loan portfolio, it mainly consists of the following: auto loans make up 52% of the portfolio and there is a total of $6 million outstanding and mortgages and lines of credit comprises 30% of the loan book and there is a total of $4 million outstanding.

Contact and Other Helpful Information

  • Main Office Address: 2229 E Yandell Dr, El Paso, TX 79903-3612
  • Website:
  • Phone: (915) 544-2215
  • Charter Number: 856
  • Charter Year: 1935
  • Employees: 11
  • Routing Number: 312080996
  • Membership: On average, credit unions in Texas each have 22,703 members while across the United States the equivalent figure is 25,779. By comparison, Mountain Star FCU has total members of 3,971 which is significantly smaller than the average credit union in the state. Over the past three years, the credit union’s total base of members has declined by 16%.

Mountain Star FCU: Financial Overview

mountain star fcu-balance-sheet-metrics

As shown in the above chart, Mountain Star FCU’s assets have increased by 10.8% over the past year, while its auto loans – which is its largest category of lending – have declined by 9.0% over the past year. Furthermore, the company’s deposits have grown by 14.6% while its total loans have fallen by 10.3%. ‘Net worth’ is a good way to assess the long-term performance of a credit union as it represents the accumulated value of the entity over time. Importantly this is value that accrues to the credit union’s owners: its members. Mountain Star FCU has a total net worth of $4 million. This implies that the credit union has a net worth per member of $1,067 which is below the national average of $1,606.

Overview of the Credit Union’s Performance Metrics

mountain star fcu-selected-performance-metrics

In the above chart we have displayed three statistics that are important in evaluating a credit union’s performance and shown how Mountain Star FCU compares on these metrics, in addition to detailing how the credit union performed on each metric in the prior year. Starting with the company’s return on assets, on this metric Mountain Star FCU is above the average credit union in its peer set and over the past year ROA has declined with a total change of 0.38%. Return on assets tells us how productive a company is being with its asset base. Moving on to the credit union’s delinquency rate, which tells us how much of a credit union’s loan book is delinquent, the credit union is below its peer group on this metric and compared with the prior year it has improved substantially. Keep in mind that a higher delinquency rate indicates a lower performing loan book so a declining rate is a favorable trend. Finally, the net worth ratio for the credit union is 11.0% which is above its peer group average of 10.6%. This metric has been relatively stable on a year over year basis and stood at 11.1% a year ago. Based on the NCUA guidelines, the credit union is considered to be well capitalized.


After factoring in all the relevant information and data, our final rating for Mountain Star FCU is 3.0 out of 5.0, which is above average. Finally, please note that the rating information presented is based on our proprietary scoring system. None of the work presented is intended to be investment advice or advice of any sort and is presented purely for informational purposes.