Credit union
Five Star Credit Union
Dothan, Alabama, Houston County, AL
$1.3B in total assets and 68,823 members, the 395th largest of 4,298 US credit unions and 11th of 88 headquartered in Alabama.
- NCUA charter
- 68302
- Charter
- State chartered (AL)
- Chartered
- 1964
- NCUA insured since
- 1971
- Low-income designation
- Yes
- Website
- https://www.fivestarcu.com
At a glance
Compared with 12 federally insured credit unions in Alabama with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.3B | 17% | $1.8B | |
| Loans | $861M | 8% | $1.1B | |
| Deposits (shares) | $1.1B | 25% | $1.6B | |
| Members | 68,823 | 2% | 96,132 | |
| Return on assets | 1.10% | 50% | 1.12% | |
| Net interest income to assets | 3.47% | 42% | 3.59% | |
| Efficiency ratio | 73.6% | 67% | 67.7% | |
| Net worth ratio | 13.82% | 67% | 10.69% | |
| Loans to shares | 79% | 33% | 84% | |
| Cost of deposits | 2.23% | 83% | 1.98% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 13.1% a year over 10 years and 14.9% a year over the last 5, including 3 mergers in the last 10 years. Membership grew 5.1% a year over 5 years, to 68,823.
Dashed lines mark larger mergers, listed below.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Jun 2026 | Georgia Guard Credit Union Credit union, Macon, GA | $3M |
| May 2024 | Wilcox County State Bank Bank, Abbeville, GA | $169M |
| May 2024 | OneSouth Bank Bank, Macon, GA | $204M |
| Nov 2015 | Farmers State Bank Bank, Lumpkin, GA | $45M |
| Nov 2014 | Georgia Coastal Federal Credit Union Credit union, Brunswick, GA | $14M |
| Jun 2014 | Flint River National Bank Bank, Camilla, GA | $19M |
| Mar 2012 | Frederica Credit Union Credit union, Brunswick, GA | $38M |
Where they operate
27 branches in 17 counties.
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Houston County, AL | 7 | 12.5% | 2 of 20 |
| Bibb County, GA | 3 | 5.2% | 6 of 24 |
| Early County, GA | 2 | 50.0% | 1 of 3 |
| Stewart County, GA | 2 | 100.0% | 1 of 1 |
| Barbour County, AL | 1 | 8.3% | 4 of 7 |
| Coffee County, AL | 1 | 5.6% | 3 of 13 |
| Henry County, AL | 1 | 11.1% | 3 of 6 |
| Decatur County, GA | 1 | 7.7% | 3 of 10 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 15 | |
| 2017 | 15 | 0 |
| 2018 | 15 | 0 |
| 2019 | 17 | +2 |
| 2020 | 17 | 0 |
| 2021 | 18 | +1 |
| 2022 | 19 | +1 |
| 2023 | 22 | +3 |
| 2024 | 25 | +3 |
| 2025 | 22 | −3 |
| Jun 2026 | 27 | +5 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 1.50% | 0.74% |
| Net worth ratio | 13.82% | 10.69% |
| Loans to shares | 79% | 84% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in Alabama
Most branches in Houston County, AL
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.