Credit Union Safety Analysis
Is St. Louis Newspaper Carriers Credit Union Safe? Fenton, Missouri
Based on its Q2 2026 NCUA 5300 call report, St. Louis Newspaper Carriers Credit Union has a net worth ratio of 6.54%, at the NCUA level for adequately capitalized, not well capitalized, its 60-day delinquency ratio is 0.01%, 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 Newspaper Carriers Credit Union's net worth ratio is 6.54%, below the 7% NCUA level for well capitalized and in the adequately capitalized range (6% to 7%).
- Net worth ratio (Q2 2026): 6.54%
- Delinquency ratio (60+ days) (Q2 2026): 0.01%
- Return on assets (Q2 2026): 0.02%
- Loan-to-share ratio (Q2 2026): 93.56%
St. Louis Newspaper Carriers Credit Union (NCUA charter 63055, established 1946) reported $20.1M in assets and 525 members for Q2 2026 from Fenton, Missouri. It ranks 57 of 85 credit unions in Missouri by total assets. Total assets grew 4.7% from $19.2M on June 30, 2025. It has 6 more members than on June 30, 2025 (+1.2%). Its net worth ratio was down 0.46 percentage points from 7.00% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $15.2M of $17.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.01% 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: 6.63% for Q1 2026; 7.00% 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: 0.16% for Q1 2026; 0.12% 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: -0.09% for Q1 2026; -0.33% 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: 88.63% for Q1 2026; 92.99% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $15.2M
- Used vehicle loans: $1.4M
- Other secured non-real estate loans and lines of credit: $389K
- New vehicle loans: $374K
- Other unsecured loans and lines of credit: $168K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $20.1M | 6.54% | 0.01% | 0.02% | 93.56% |
| March 31, 2026 | $19.8M | 6.63% | 0.16% | -0.09% | 88.63% |
| December 31, 2025 | $19.3M | 6.85% | 0.02% | -0.22% | 92.20% |
| September 30, 2025 | $19.4M | 6.84% | 0.03% | -0.35% | 89.29% |
| June 30, 2025 | $19.2M | 7.00% | 0.12% | -0.33% | 92.99% |
| March 31, 2025 | $19.4M | 7.01% | 0.12% | -0.54% | 95.86% |
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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 Newspaper Carriers Credit Union profile
Regulator records: NCUA credit union profile (charter 63055) · FFIEC NIC profile (RSSD 405892)
Frequently asked questions
Is St. Louis Newspaper Carriers Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, St. Louis Newspaper Carriers Credit Union's net worth ratio is 6.54%, below the 7% NCUA level for well capitalized and in the adequately capitalized range (6% to 7%).
Is St. Louis Newspaper Carriers Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. St. Louis Newspaper Carriers Credit Union is a federally insured credit union (NCUA charter 63055): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are St. Louis Newspaper Carriers Credit Union's key safety ratios?
For Q2 2026, St. Louis Newspaper Carriers Credit Union reports net worth 6.54%, delinquency 0.01%, ROA 0.02%, loan-to-share 93.56%.
What happens to my money if St. Louis Newspaper Carriers Credit Union fails?
For Q2 2026, St. Louis Newspaper Carriers Credit Union held $18.8M in shares and deposits for 525 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.