Credit unions · California · Q2 2026
Star One CU AI Score
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $9.70B |
| Total loans & leases | $6.73B |
| Total shares & deposits | $8.36B |
| Members | 134,300 |
| Net worth | $1.36B |
| Net worth / assets | 14.06% |
| Loans / assets | 69.36% |
| Return on assets (annualized) | 0.12% |
| Loan growth (YoY) | 7.57% |
| Member growth (YoY) | 3.01% |
| Delinquency, all loans (60+ days) | 0.13% |
| Charter | State charter (federally insured) |
| Asset band | > $5B |
| NCUA peer group | over $500M |
| Sponsor type | Community (inferred from the name) |
AI readiness
AI Score: 3 of 5 stars, AI connected to internal credit-union data
Star One runs a member-facing AI virtual agent called "Star", built on boost.ai and trained on the credit union's own knowledge base to answer member questions 24/7. Its CEO has separately confirmed to American Banker that AI is being integrated across channels, including voice, to handle questions that would otherwise go to live agents. No public evidence shows AI making lending or other process
- Star One CEO Minal Gupta discusses real-time payments, AI | PaymentsSource | American Banker “Star One is currently integrating AI across channels, including voice, to redirect consumer questions and requests from live agents.”
- Silicon Valley Credit Union, Star One, Taps boost.ai to Improve Member Experiences “Star, the name of Star One's virtual agent (VA), offers members 24/7 support, answering questions ranging from business hours to routing numbers and product offerings.”
- Silicon Valley Credit Union, Star One, Taps boost.ai to Improve Member Experiences “Between pre-built topics and training on Star One's existing knowledge base, Star can now draw from over 500 intents to help tackle members' questions”