Together Credit Union Saint Louis, Missouri
Together Credit Union is a state-chartered credit union headquartered in Saint Louis, MO, established in 1939 (NCUA charter 62715), and it is regulated and insured by the NCUA. At Q2 2026 it reported 148,447 members and total assets of $2.73B (up 2.5% from Q2 2025), the 2nd largest of 85 credit unions headquartered in Missouri. Its net worth ratio was 9.66% at Q2 2026, in the well capitalized band.
Also written as Together 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
- 62715
- Headquarters
- Saint Louis, MO
- Established
- 1939
- Total assets, Q2 2026
- $2.73B
- Assets vs Q2 2025
- +2.5%
- Members, Q2 2026
- 148,447
- Net worth ratio, Q2 2026
- 9.66%
- Latest call report
- Q2 2026, NCUA 5300 · Together Credit Union call report
- Asset rank in state
- 2nd of 85 in Missouri
- Routing number
- 281082915
- Branches
- 26
It has 3,901 more members than on June 30, 2025 (+2.7%). Its net worth ratio was up 0.41 percentage points from 9.25% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $933.4M of $2.20B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.54% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 9.66% net worth ratio is below that band's 10.89% median.
Credit unions merged into Together Credit Union
Ubc Credit Union (2021)
Frequently asked about Together Credit Union
How big is Together Credit Union?
At Q2 2026 it reported total assets of $2.73B and 148,447 members.
Where is Together Credit Union headquartered?
It is headquartered in Saint Louis, MO, United States.
When was Together Credit Union founded?
It was established in 1939, per NCUA records.
Is Together Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 62715): 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 Together 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 Together Credit Union well capitalized?
Its net worth ratio was 9.66% 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 Together Credit Union's delinquency ratio?
Its delinquency ratio was 0.54% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Together Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 93.57% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Saint Louis, MO 63118
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1939
- NCUA Charter #
- 62715
- RSSD ID
- 747097
- Members
- 148,447
- Potential members
- 2,500,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 9.66% | 10.89% | 22nd bottom |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.34% | 0.89% | 78th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 13.82% | 8.07% | over 90th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.59% | 3.45% | 60th above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 65.99% | 70.59% | 65th above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.72% | 1.68% | 47th below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.54% | 0.68% | 65th above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.31% | 5.12% | 64th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 93.57% | 88.03% | 69th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.73B total assets against $2.66B; $2.35B total shares and deposits against $2.28B; $2.20B total loans against $2.06B.
$263.8M net worth against $246.6M.
9.66% net worth ratio against 9.25%.
93.57% loan-to-share ratio against 90.24%.
0.54% delinquency ratio against 0.66%.
1.34% return on assets against 0.55%; 13.82% return on equity against 5.96%.
3.59% net interest margin against 3.21%.
148,447 members against 144,546.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.66% | 1.34% | 0.54% | 93.57% |
| March 31, 2026 | 9.36% | 0.28% | 0.67% | 92.05% |
| December 31, 2025 | 9.56% | 0.72% | 0.79% | 94.81% |
| September 30, 2025 | 9.52% | 0.75% | 0.67% | 94.37% |
| June 30, 2025 | 9.25% | 0.55% | 0.66% | 90.24% |
| March 31, 2025 | 9.29% | 0.16% | 0.59% | 89.53% |
Scroll sideways to see every column.
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.