Proof of Usefulness Report

Five Star Credit Union

Analysis completed on 1/24/2026

+538
Proof of Usefulness Score
Industry Mainstay

Five Star Credit Union is a substantial regional financial institution with over $1.2B in assets and ~66,000 members, demonstrating high real-world utility and traction. However, the project submission itself is of very low quality, containing inaccuracies (e.g., confused financial metrics, hyperbolic reach claims) and lacking any detail on technical innovation. While the entity is financially robust and useful, the PoU score is constrained by the lack of technological novelty and the poor quality of the submission data.

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Score Breakdown

Real World Utility+22.50
Audience Reach Impact+12.00
Technical Innovation+0.75
Evidence Of Traction+18.00
Market Timing Relevance+5.00
Functional Completeness+0.25
Subtotal+58.5
Usefulness Multiplierx0.92
Final Score+538

Project Details

Project URL
Description
Five Star Credit Union is a full-service financial institution with locations in Alabama & Georgia. We offer valuable personal and business banking solutions including checking accounts, savings accounts, credit cards, auto loans, home loans, manufactured home loans, business loans, and much more. Bank online, with our mobile app, or visit one of our conveniently located Alabama & Georgia branches.

Algorithm Insights

Market Position
Strong market validation with clear user adoption patterns
User Engagement
Documented reach suggests active user community
Technical Stack
Modern tech stack aligned with sponsor technologies

Recommendations to Increase Usefulness Score

Document User Growth

Provide specific metrics on user acquisition and retention rates

Showcase Revenue Model

Detail sustainable monetization strategy and current revenue streams

Expand Evidence Base

Include testimonials, case studies, and third-party validation

Technical Roadmap

Share development milestones and feature completion timeline