Financial Performance
2025 was one of the strongest financial years in StellerVista’s history. While the operating environment continued to demand caution – from economic uncertainty and sector slowdowns to continued pressure on financial institutions to invest in technology, compliance, and risk management – StellerVista delivered exceptionally strong results. Those results matter not only because of the numbers themselves, but because they help support our long-term goal of remaining a strong, independent local credit union.
Our after-tax income before donations and rewards to members was more than $4.4 million, from which nearly $1.0 million was returned through patronage, dividends, and community donations. Even after that substantial reinvestment, the credit union ended the year with net income of more than $3.4 million added to retained earnings. That retained earnings growth is also important because it helps support the regulatory capital required to lend, manage risk, and protect the credit union through changing conditions. Even with a strong financial year, capital ratios remained under pressure from the volume of loans added during the year. These results reflect the positive financial benefits now emerging from the scale, discipline, and strategic investments made since merger.
These outcomes also reflect the continued contribution of our subsidiaries and diversified lines of business, alongside strong work across lending, deposit growth, operations, and service delivery. Taken together, 2025 placed StellerVista in a stronger position to support members through uncertainty while continuing to invest in the long-term sustainability of local banking.
Total Assets
$769,057,406
Pre-tax Income
$5,003,392
Earnings and Margin
In 2025, StellerVista saw a major improvement in our financial margin. Loans continued to grow, deposit pricing pressures eased compared with the prior year, and the organization benefited from stronger operational performance overall. As the benefits of integration continued to take hold and major internal investments began translating into better results, our margin strengthened in a meaningful way.
Operating Margin
$16,755,802
Operating Expenses
Net Income
Member Banking
In 2025, our member banking business remained strong, with growth in both loans and deposits and continued relevance in the communities we serve. Local households and businesses continued to look for practical advice, responsive service, and flexible solutions as they navigated debt, cash flow pressure, major purchases, and long-term planning in an uncertain environment.
Our teams remained focused on disciplined growth and local responsiveness throughout the year. That meant supporting members through new home purchases, refinancing and consolidation needs, commercial opportunities, and sector slowdowns – while keeping an eye on risk, service quality, and the longer-term health of the portfolio.