St. Louis Policemens Credit Union Saint Louis, Missouri
St. Louis Policemens Credit Union is a state-chartered credit union headquartered in Saint Louis, MO, established in 1934 (NCUA charter 64425), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,085 members and total assets of $20.1M (down 6.2% from Q2 2025), the 58th largest of 85 credit unions headquartered in Missouri. Its net worth ratio was 18.68% at Q2 2026, in the well capitalized band.
Also written as St. Louis Policemens 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
- 64425
- Headquarters
- Saint Louis, MO
- Established
- 1934
- Total assets, Q2 2026
- $20.1M
- Assets vs Q2 2025
- -6.2%
- Members, Q2 2026
- 2,085
- Net worth ratio, Q2 2026
- 18.68%
- Latest call report
- Q2 2026, NCUA 5300 · St. Louis Policemens Credit Union call report
- Asset rank in state
- 58th of 85 in Missouri
- Routing number
- 281082397
- Branches
- 2
It has 167 fewer members than on June 30, 2025 (-7.4%). Its net worth ratio was up 1.65 percentage points from 17.03% on June 30, 2025. Used vehicle loans are its largest loan category, $4.4M of $8.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.17% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 18.68% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Missouri
Frequently asked about St. Louis Policemens Credit Union
How big is St. Louis Policemens Credit Union?
At Q2 2026 it reported total assets of $20.1M and 2,085 members.
Where is St. Louis Policemens Credit Union headquartered?
It is headquartered in Saint Louis, MO, United States.
When was St. Louis Policemens Credit Union founded?
It was established in 1934, per NCUA records.
Is St. Louis Policemens Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 64425): 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 Policemens 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 Policemens Credit Union well capitalized?
Its net worth ratio was 18.68% 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 Policemens Credit Union's delinquency ratio?
Its delinquency ratio was 2.17% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is St. Louis Policemens Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 49.81% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Saint Louis, MO 63103
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1934
- NCUA Charter #
- 64425
- RSSD ID
- 478391
- Members
- 2,085
- Potential members
- 5,000
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 7 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% | 18.68% | 14.31% | 72nd above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.60% | 0.72% | 45th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 3.23% | 4.74% | 40th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.13% | 3.93% | 20th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 78.19% | 79.83% | 53rd above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.48% | 0.78% | 68th above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 2.17% | 0.86% | 23rd bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.61% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 49.81% | 58.92% | 36th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$20.1M total assets against $21.4M; $16.3M total shares and deposits against $17.8M; $8.1M total loans against $8.2M.
$3.8M net worth against $3.6M.
18.68% net worth ratio against 17.03%.
49.81% loan-to-share ratio against 45.86%.
2.17% delinquency ratio against 2.35%.
0.60% return on assets against 0.26%; 3.23% return on equity against 1.50%.
3.13% net interest margin against 2.66%.
2,085 members against 2,252.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 18.68% | 0.60% | 2.17% | 49.81% |
| March 31, 2026 | 18.17% | 0.34% | 1.68% | 48.27% |
| December 31, 2025 | 18.19% | 0.99% | 1.63% | 50.65% |
| September 30, 2025 | 17.28% | 0.46% | 1.71% | 48.31% |
| June 30, 2025 | 17.03% | 0.26% | 2.35% | 45.86% |
| March 31, 2025 | 17.08% | 0.00% | 0.96% | 47.52% |
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.