Credit Union Safety Analysis
Is Stationery Credit Union Safe? Saint Joseph, Missouri
Based on its Q2 2026 NCUA 5300 call report, Stationery Credit Union has a net worth ratio of 13.78%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.96%, 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, Stationery Credit Union's net worth ratio is 13.78%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.78%
- Delinquency ratio (60+ days) (Q2 2026): 0.96%
- Return on assets (Q2 2026): -0.84%
- Loan-to-share ratio (Q2 2026): 33.88%
Stationery Credit Union (NCUA charter 67801, established 1952) reported $17.0M in assets and 1,965 members for Q2 2026 from Saint Joseph, Missouri. It ranks 61 of 85 credit unions in Missouri by total assets. Total assets grew 0.7% from $16.9M on June 30, 2025. It has 17 fewer members than on June 30, 2025 (-0.9%). Its net worth ratio was up 0.13 percentage points from 13.65% on June 30, 2025. Used vehicle loans are its largest loan category, $3.1M of $5.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.96% is above 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: 13.95% for Q1 2026; 13.65% 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: 0.30% for Q1 2026; 0.70% 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: 0.73% for Q1 2026; 1.06% 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: 34.13% for Q1 2026; 35.56% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $3.1M
- Other unsecured loans and lines of credit: $848K
- Other secured non-real estate loans and lines of credit: $503K
- New vehicle loans: $484K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $17.0M | 13.78% | 0.96% | -0.84% | 33.88% |
| March 31, 2026 | $17.0M | 13.95% | 0.30% | 0.73% | 34.13% |
| December 31, 2025 | $16.6M | 14.13% | 0.72% | 0.56% | 37.63% |
| September 30, 2025 | $16.9M | 13.77% | 0.85% | 0.46% | 36.02% |
| June 30, 2025 | $16.9M | 13.65% | 0.70% | 1.06% | 35.56% |
| March 31, 2025 | $17.2M | 13.15% | 0.97% | 1.06% | 35.99% |
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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.
Stationery Credit Union profile
Regulator records: NCUA credit union profile (charter 67801) · FFIEC NIC profile (RSSD 379096)
Frequently asked questions
Is Stationery Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Stationery Credit Union's net worth ratio is 13.78%, above the 7% NCUA threshold for well capitalized.
Is Stationery Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Stationery Credit Union is a federally insured credit union (NCUA charter 67801): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Stationery Credit Union's key safety ratios?
For Q2 2026, Stationery Credit Union reports net worth 13.78%, delinquency 0.96%, ROA -0.84%, loan-to-share 33.88%.
What happens to my money if Stationery Credit Union fails?
For Q2 2026, Stationery Credit Union held $14.6M in shares and deposits for 1,965 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.