Charter 24299 · San Jose, CA
Mirastar Federal Credit Union
Mirastar Federal Credit Union is a federally chartered credit union in San Jose, California, with $1.04 billion in assets and 50,171 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.87%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $1.04 billion
- +7.2% in a year
- Members
- 50,171
- +5.5% in a year
- Net worth ratio
- 9.87%
- Peer median 10.79%
- Loans 60+ days late
- 1.03%
- Peer median 0.67%
- Loans outstanding
- $657 million
- +18.3% in a year
- Shares and deposits
- $941 million
- +8.1% in a year
- Branches
- 7
- 136 employees
- Opened
- 1950
- Federal charter
How Mirastar Federal Credit Union compares
NCUA groups credit unions by size; Mirastar Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 9.87% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 1.03%, is higher than the group median of 0.67%. Loans grew 18.3% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 65 of 239 credit unions headquartered in California. See all California credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $1.04 billion | 50,171 | $657 million | 9.87% | 1.03% |
| Q1 2026 | $1.04 billion | 50,198 | $638 million | 9.75% | 1.00% |
| Q4 2025 | $1.02 billion | 48,878 | $622 million | 9.74% | 0.98% |
| Q3 2025 | $983 million | 47,949 | $575 million | 10.05% | 1.04% |
| Q2 2025 | $969 million | 47,543 | $555 million | 10.11% | 0.88% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 936,639 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 7 sites for Mirastar Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Gilroy Branch
6915 Camino Arroyo, Gilroy, CA 95020 - Campbell Branch
1638 W Campbell Ave, Campbell, CA 95008 - Almaden Branch
5353 Almaden Expy, San Jose, CA 95118 - East San Jose Branch
255 N White Rd, San Jose, CA 95127 - West Hedding
70 W Hedding St, San Jose, CA 95110 - Corporate Office (main office)
2099 Gateway Pl Ste 140, San Jose, CA 95110 - Tasman
110 W Tasman Dr, San Jose, CA 95134
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology