Credit Union Safety Analysis
Is St. Louis Community Credit Union Safe? Saint Louis, Missouri
Based on its Q2 2026 NCUA 5300 call report, St. Louis Community Credit Union has a net worth ratio of 15.03%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 5.79%, 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, St. Louis Community Credit Union's net worth ratio is 15.03%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.03%
- Delinquency ratio (60+ days) (Q2 2026): 5.79%
- Return on assets (Q2 2026): 0.04%
- Loan-to-share ratio (Q2 2026): 55.24%
St. Louis Community Credit Union (NCUA charter 60400, established 1942) reported $445.0M in assets and 50,678 members for Q2 2026 from Saint Louis, Missouri. It ranks 9 of 85 credit unions in Missouri by total assets. Total assets grew 2.6% from $433.6M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 15.09% for Q1 2026; 15.09% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 2.53% for Q1 2026; 1.64% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.49% for Q1 2026; 0.81% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 54.47% for Q1 2026; 55.44% for Q2 2025.
Loans by type, Q2 2026
- Commercial loans: $82.6M
- Used vehicle loans: $42.1M
- 1- to 4-family residential and other consumer real estate loans: $36.8M
- New vehicle loans: $32.4M
- Other unsecured loans and lines of credit: $9.6M
- Other secured non-real estate loans and lines of credit: $3.6M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $445.0M | 15.03% | 5.79% | 0.04% | 55.24% |
| March 31, 2026 | $442.9M | 15.09% | 2.53% | 0.49% | 54.47% |
| December 31, 2025 | $431.8M | 15.35% | 4.02% | 0.55% | 56.65% |
| September 30, 2025 | $427.4M | 15.37% | 2.57% | 0.23% | 56.95% |
| June 30, 2025 | $433.6M | 15.09% | 1.64% | 0.81% | 55.44% |
| March 31, 2025 | $431.5M | 14.96% | 1.85% | 0.05% | 56.89% |
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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.
St. Louis Community Credit Union profile
Regulator records: NCUA credit union profile (charter 60400) · FFIEC NIC profile (RSSD 98995)
Frequently asked questions
Is St. Louis Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, St. Louis Community Credit Union's net worth ratio is 15.03%, above the 7% NCUA threshold for well capitalized.
Is St. Louis Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. St. Louis Community Credit Union is a federally insured credit union (NCUA charter 60400): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are St. Louis Community Credit Union's key safety ratios?
For Q2 2026, St. Louis Community Credit Union reports net worth 15.03%, delinquency 5.79%, ROA 0.04%, loan-to-share 55.24%.
What happens to my money if St. Louis Community Credit Union fails?
For Q2 2026, St. Louis Community Credit Union held $374.7M in shares and deposits for 50,678 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.