Credit Union Safety Analysis
Is Together Credit Union Safe? Saint Louis, Missouri
Based on its Q2 2026 NCUA 5300 call report, Together Credit Union has a net worth ratio of 9.66%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.54%, 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, Together Credit Union's net worth ratio is 9.66%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.66%
- Delinquency ratio (60+ days) (Q2 2026): 0.54%
- Return on assets (Q2 2026): 1.34%
- Loan-to-share ratio (Q2 2026): 93.57%
Together Credit Union (NCUA charter 62715, established 1939) reported $2.73B in assets and 148,447 members for Q2 2026 from Saint Louis, Missouri. It ranks 2 of 85 credit unions in Missouri by total assets. Total assets grew 2.5% from $2.66B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 9.36% for Q1 2026; 9.25% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.67% for Q1 2026; 0.66% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.28% for Q1 2026; 0.55% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 92.05% for Q1 2026; 90.24% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $933.4M
- Used vehicle loans: $511.9M
- New vehicle loans: $346.1M
- Commercial loans: $179.6M
- Unsecured credit card loans: $111.0M
- Other unsecured loans and lines of credit: $70.5M
- Non-federally guaranteed student loans: $24.0M
- Other secured non-real estate loans and lines of credit: $22.1M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.73B | 9.66% | 0.54% | 1.34% | 93.57% |
| March 31, 2026 | $2.72B | 9.36% | 0.67% | 0.28% | 92.05% |
| December 31, 2025 | $2.66B | 9.56% | 0.79% | 0.72% | 94.81% |
| September 30, 2025 | $2.64B | 9.52% | 0.67% | 0.75% | 94.37% |
| June 30, 2025 | $2.66B | 9.25% | 0.66% | 0.55% | 90.24% |
| March 31, 2025 | $2.61B | 9.29% | 0.59% | 0.16% | 89.53% |
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Free to use. It shows Together Credit Union’s latest filed figures and updates each quarter.
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.
Regulator records: NCUA credit union profile (charter 62715) · FFIEC NIC profile (RSSD 747097)
Frequently asked questions
Is Together Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Together Credit Union's net worth ratio is 9.66%, above the 7% NCUA threshold for well capitalized.
Is Together Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Together Credit Union is a federally insured credit union (NCUA charter 62715): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Together Credit Union's key safety ratios?
For Q2 2026, Together Credit Union reports net worth 9.66%, delinquency 0.54%, ROA 1.34%, loan-to-share 93.57%.
What happens to my money if Together Credit Union fails?
For Q2 2026, Together Credit Union held $2.35B in shares and deposits for 148,447 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.