St. Augustine Credit Union Scott City, Missouri
St. Augustine Credit Union is a state-chartered credit union headquartered in Scott City, MO, established in 1933 (NCUA charter 67750), and it is regulated and insured by the NCUA. At Q2 2026 it reported 428 members and total assets of $1.5M (up 2.6% from Q2 2025), the 82nd largest of 85 credit unions headquartered in Missouri. Its net worth ratio was 14.42% at Q2 2026, in the well capitalized band.
Also written as St. Augustine CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 67750
- Headquarters
- Scott City, MO
- Established
- 1933
- Total assets, Q2 2026
- $1.5M
- Assets vs Q2 2025
- +2.6%
- Members, Q2 2026
- 428
- Net worth ratio, Q2 2026
- 14.42%
- Latest call report
- Q2 2026, NCUA 5300 · St. Augustine Credit Union call report
- Asset rank in state
- 82nd of 85 in Missouri
- Routing number
- 281580967
- Branches
- 2
It has 2 more members than on June 30, 2025 (+0.5%). Its net worth ratio was up 0.45 percentage points from 13.97% on June 30, 2025. New vehicle loans are its largest loan category, $547K of $1.2M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Missouri
Frequently asked about St. Augustine Credit Union
How big is St. Augustine Credit Union?
At Q2 2026 it reported total assets of $1.5M and 428 members.
Where is St. Augustine Credit Union headquartered?
It is headquartered in Scott City, MO, United States.
When was St. Augustine Credit Union founded?
It was established in 1933, per NCUA records.
Is St. Augustine Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67750): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates St. Augustine Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is St. Augustine Credit Union well capitalized?
Its net worth ratio was 14.42% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is St. Augustine Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 88.33% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Scott City, MO 63780
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1933
- NCUA Charter #
- 67750
- RSSD ID
- 159298
- Members
- 428
- Potential members
- 2,750
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 6 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 14.42% | 14.31% | 51st above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.61% | 0.72% | 45th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 4.20% | 4.74% | 46th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.58% | 3.93% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 77.23% | 79.83% | 56th above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.45% | 0.78% | 18th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.03% | 4.70% | 20th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 88.33% | 58.92% | 89th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.5M total assets against $1.5M; $1.3M total shares and deposits against $1.3M; $1.2M total loans against $1.3M.
$221K net worth against $209K.
14.42% net worth ratio against 13.97%.
88.33% loan-to-share ratio against 100.28%.
0.61% return on assets against 0.80%; 4.20% return on equity against 5.71%.
2.58% net interest margin against 2.51%.
428 members against 426.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.42% | 0.61% | — | 88.33% |
| March 31, 2026 | 14.22% | 0.65% | — | 93.01% |
| December 31, 2025 | 14.40% | 0.97% | — | 100.82% |
| September 30, 2025 | 14.42% | 1.03% | — | 99.23% |
| June 30, 2025 | 13.97% | 0.80% | — | 100.28% |
| March 31, 2025 | 13.53% | 0.92% | — | 94.07% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.