Credit union · NCUA insured
Mountain Star Credit Union
A $46.6M credit union headquartered in El Paso, TX, with 4,784 members and 2 branches in 2 states. Best rates: CDs 3.82% and savings 0.20% APY.
Mountain Star Credit Union Carrot Score
70
Carrot Score
Higher than 27% of U.S. banks and credit unions
#11 of 17 in El Paso, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Mountain Star Credit Union
Born in 1935 from the vision of El Paso Electric Co. employees, Mountain Star Federal Credit Union is a member-owned financial institution.
Headquartered in El Paso, Texas, the credit union serves El Paso and Southern New Mexico.
- Headquarters
- 2229 E Yandell Dr, El Paso, TX 79903-3612
- NCUA charter
- 856
Branches
2 branches in 2 states
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New Mexico
1 branch
- Las Cruces Branch210 E Idaho Ave, Las Cruces, NM 88005Directions
Texas
1 branch
- MainMain office2229 E Yandell Dr, El Paso, TX 79903Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 18.45% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.70% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.10% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $83 | $59 | — |
- CapitalNet worth ratio18.45%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.70%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.10%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$83Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Mountain Star Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.