Federal credit union · Saint Louis, Missouri · NCUA charter #24975
African Diaspora
Health score 68/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $117K
- Total assets
- 378
- Members
- 11.1%
- Net-worth ratio
African Diaspora - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #24975 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
African Diaspora - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)-
- Earnings (ROA)30
- Member growth-
- Liquidity (loan-to-share)40
Weighted composite: 68/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 11.06%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.06% | 30% |
| Delinquency Rate | - | 25% |
| Return on Assets | 0.00% | 15% |
| Member Growth | N/A | 15% |
| Loan-to-Share Ratio | 0.00% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Credit Union Details
- Charter Number
- 24975
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Under $2M
- State
- Missouri
- City
- Saint Louis
- Data Quarter
- 2025Q4
What This Data Says About African Diaspora
378 members and $117K in total assets sit behind African Diaspora, a federal credit union in Saint Louis, Missouri, which posts a health score of 68/100 (Good) on the five-factor composite, with $0 in outstanding loans as of Q4 2025 and a net worth ratio of 11.06% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #24975 in peer group Under $2M, a cohort of 243 similarly-sized institutions.
- of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. Deposit deployment is captured by the 0.00% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.00% on net income of $0 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Multiple Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Missouri
A look at other Missouri credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is African Diaspora financially healthy?
African Diaspora has a financial health score of 68/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.06% and delinquency rate of -.
How does African Diaspora compare to other credit unions?
68/100 is African Diaspora's score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join African Diaspora?
African Diaspora serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact African Diaspora directly for the current list of qualifying groups.
Is my money safe at African Diaspora?
Federal credit unions like African Diaspora are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. African Diaspora's net worth ratio of 11.06% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does African Diaspora offer compared to banks?
Credit unions like African Diaspora are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact African Diaspora directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.