St. Louis Community Credit Union Saint Louis, Missouri
St. Louis Community Credit Union is a state-chartered credit union headquartered in Saint Louis, MO, established in 1942 (NCUA charter 60400), and it is regulated and insured by the NCUA. At Q2 2026 it reported 50,678 members and total assets of $445.0M (up 2.6% from Q2 2025), the 9th largest of 85 credit unions headquartered in Missouri. Its net worth ratio was 15.03% at Q2 2026, in the well capitalized band.
Also written as St. Louis Community CU
BankRegReports is independent of St. Louis Community Credit Union and never asks for online banking logins or passwords.
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
- 60400
- Headquarters
- Saint Louis, MO
- Established
- 1942
- Total assets, Q2 2026
- $445.0M
- Assets vs Q2 2025
- +2.6%
- Members, Q2 2026
- 50,678
- Net worth ratio, Q2 2026
- 15.03%
- Latest call report
- Q2 2026, NCUA 5300 · St. Louis Community Credit Union call report
- Asset rank in state
- 9th of 85 in Missouri
- Routing number
- 281082423
- Branches
- 14
It has 1,332 fewer members than on June 30, 2025 (-2.6%). Its net worth ratio was down 0.06 percentage points from 15.09% on June 30, 2025. Commercial loans are its largest loan category, $82.6M of $207.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 5.79% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 15.03% net worth ratio is above that band's 11.43% median.
Credit unions merged into St. Louis Community Credit Union
Union Memorial Credit Union (2020) · South Community Credit Union (2018) · Midwest Credit Union (2018) · Saint Cecilia Parish Credit Union (2014)
Frequently asked about St. Louis Community Credit Union
How big is St. Louis Community Credit Union?
At Q2 2026 it reported total assets of $445.0M and 50,678 members.
Where is St. Louis Community Credit Union headquartered?
It is headquartered in Saint Louis, MO, United States.
When was St. Louis Community Credit Union founded?
It was established in 1942, per NCUA records.
Is St. Louis Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 60400): 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. Louis Community 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. Louis Community Credit Union well capitalized?
Its net worth ratio was 15.03% 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. Louis Community Credit Union's delinquency ratio?
Its delinquency ratio was 5.79% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is St. Louis Community Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 55.24% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Saint Louis, MO 63108
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1942
- NCUA Charter #
- 60400
- RSSD ID
- 98995
- Members
- 50,678
- Potential members
- 947,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 15.03% | 11.43% | 84th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.04% | 0.81% | under 10th bottom |
| Return on equity Middle half of peers: 3.87% to 9.84% | 0.29% | 7.02% | under 10th bottom |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.85% | 3.70% | 59th above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 80.12% | 76.55% | 37th below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.04% | 1.24% | 66th above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 5.79% | 0.68% | under 10th bottom |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.88% | 4.92% | 48th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 55.24% | 75.66% | 16th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$445.0M total assets against $433.6M; $374.7M total shares and deposits against $371.2M; $207.0M total loans against $205.8M.
$66.9M net worth against $65.5M.
15.03% net worth ratio against 15.09%.
55.24% loan-to-share ratio against 55.44%.
5.79% delinquency ratio against 1.64%.
0.04% return on assets against 0.81%; 0.29% return on equity against 5.37%.
3.85% net interest margin against 4.18%.
50,678 members against 52,010.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.03% | 0.04% | 5.79% | 55.24% |
| March 31, 2026 | 15.09% | 0.49% | 2.53% | 54.47% |
| December 31, 2025 | 15.35% | 0.55% | 4.02% | 56.65% |
| September 30, 2025 | 15.37% | 0.23% | 2.57% | 56.95% |
| June 30, 2025 | 15.09% | 0.81% | 1.64% | 55.44% |
| March 31, 2025 | 14.96% | 0.05% | 1.85% | 56.89% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
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.