Credit Union Safety Analysis
Is Co-Lib Credit Union Safe? Saint Louis, Missouri
Based on its Q2 2026 NCUA 5300 call report, Co-Lib Credit Union has a net worth ratio of 15.46%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.82%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Co-Lib Credit Union's net worth ratio is 15.46%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.46%
- Delinquency ratio (60+ days) (Q2 2026): 0.82%
- Return on assets (Q2 2026): 3.44%
- Loan-to-share ratio (Q2 2026): 70.05%
Co-Lib Credit Union (NCUA charter 64723, established 1955) reported $1.4M in assets and 233 members for Q2 2026 from Saint Louis, Missouri. It ranks 84 of 85 credit unions in Missouri by total assets. Total assets grew 13.6% from $1.2M on June 30, 2025. It had the same number of members on June 30, 2025. Its net worth ratio was up 0.14 percentage points from 15.32% on June 30, 2025. Used vehicle loans are its largest loan category, $434K of $809K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.82% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 14.96% for Q1 2026; 15.32% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.83% for Q1 2026; 1.02% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 4.70% for Q1 2026; 1.82% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 74.31% for Q1 2026; 76.87% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $434K
- New vehicle loans: $326K
- Other unsecured loans and lines of credit: $47K
- Other secured non-real estate loans and lines of credit: $2K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.4M | 15.46% | 0.82% | 3.44% | 70.05% |
| March 31, 2026 | $1.3M | 14.96% | 0.83% | 4.70% | 74.31% |
| December 31, 2025 | $1.3M | 14.57% | 0.84% | -0.12% | 80.94% |
| September 30, 2025 | $1.3M | 14.74% | 0.84% | -0.06% | 84.43% |
| June 30, 2025 | $1.2M | 15.32% | 1.02% | 1.82% | 76.87% |
| March 31, 2025 | $1.3M | 14.10% | 1.25% | 2.08% | 61.35% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 64723) · FFIEC NIC profile (RSSD 849290)
Frequently asked questions
Is Co-Lib Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Co-Lib Credit Union's net worth ratio is 15.46%, above the 7% NCUA threshold for well capitalized.
Is Co-Lib Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Co-Lib Credit Union is a federally insured credit union (NCUA charter 64723): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Co-Lib Credit Union's key safety ratios?
For Q2 2026, Co-Lib Credit Union reports net worth 15.46%, delinquency 0.82%, ROA 3.44%, loan-to-share 70.05%.
What happens to my money if Co-Lib Credit Union fails?
For Q2 2026, Co-Lib Credit Union held $1.2M in shares and deposits for 233 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.