Sep, 30, 2025 — STAR USA FEDERAL CREDIT UNION is a federal credit union headquartered in CHARLESTON, WV with 5 branch locations and about $156.97 million in total assets. Opened 90 years ago in 1936, STAR USA FEDERAL CREDIT UNION has about 14,351 members and employs 40 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | STAR USA FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1 Cantley Dr CHARLESTON, WV 25314-1089 |
| Phone: | (304) 357-2319 |
| Fax: | (304) 357-2291 |
| Website: | https://www.star.coop |
| Branches: | 5 branch locations |
| Members: | 14,351 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 911 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1936 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $156,966,928 |
| CEO/Manager: | Daniel R Smithson, Jr |
| Chairperson: | Tom Epps |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 6,661,188 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 66,807,571 |
| Unsecured Loans | 726,621 |
| Other Loans | 40,582,148 |
| TOTAL LOANS | 108,642,301 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -581,494 |
| Land And Building | 4,924,927 |
| Other Fixed Assets | 284,128 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,335,143 |
| All Other Assets | 1,624,757 |
| TOTAL ASSETS | 156,966,928 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 9,433,551 |
| Accounts Payable & Other Liabilities | 629,504 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 22,032,125 |
| Regular shares | 51,699,336 |
| All Other Shares & Deposits | 57,636,985 |
| TOTAL SHARES & DEPOSITS | 131,368,445 |
| TOTAL LIABILITIES | 141,431,500 |
| Regular Reserve | 0 |
| Other Reserves | 622,682 |
| Undivided Earnings | 14,912,746 |
| TOTAL EQUITY | 15,535,428 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 156,966,928 |
| INCOME & EXPENSE | |
| Loan Income | 5,071,743 |
| Investment Income | 671,519 |
| Other Income | 396,676 |
| Total Employee Compensation & Benefits | 2,287,740 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 2,677,396 |
| Non-operating Income & (Expense) | -73,191 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 286,076 |
| Cost of Funds | 1,895,959 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -511,312 |
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