Federal credit union · WENTZVILLE, Missouri · NCUA charter #24774
ALLTRU
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $392.5M
- Total assets
- 40,729
- Members
- 9.2%
- Net-worth ratio
ALLTRU scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $392.5M; members 40,729; net-worth ratio 9.23%; health rank #2,895 of 4,374; healthier than 33rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,895 of 4,374 health · 2025Q4ALLTRU · health 79/100 · $392.5M · 2025Q4
Call Report peers
ALLTRU in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ALLTRU vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ALLTRU sits in 75-79 with 502 others.
79 33rd percentile higher than 33% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
ALLTRU vs $100M–$500M peers
- Largest favorable gap: Loan-to-Share Ratio at 89.22% vs peer 72.20% (+17.02 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.88 pp (9.23% vs 12.11%).
Missouri standing for ALLTRU
- In Missouri, health place is #59 of 89 on the same NCUA-ratio sort used nationally.
- By total assets, ALLTRU is #12 of 89 in Missouri.
- Membership ranks #7 of 89 among Missouri CUs with a reported count (40,729 members).
- One place up in Missouri, St. Louis Policemen`S (#58) ties at 79/100; one place down, J C Federal Employees (#60) scores 78/100, 1 point lower.
ALLTRU: 2025Q4 → 2026Q1
ALLTRU: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.7% from $392.5M (2025Q4) to $403.1M (2026Q1).
- Net-worth ratio shifted -0.29 pp (9.52% → 9.23%).
This credit union's 9.23% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 79/100 score is built
ALLTRU gives up 21 points in total. Delinquency Rate costs the most, 11.8 of its 25; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 28.1 pts
- Delinquency Rate 13.2 pts
- Return on Assets 11.6 pts
- Member Growth 11.5 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.23% | -2.88 pp |
| Delinquency Rate | 1.91% | +1.02 pp |
| Return on Assets | 0.28% | -0.35 pp |
| Member Growth | 2.12% | - |
| Loan-to-Share Ratio | 89.22% | +17.02 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $403.1M | - |
| 2025Q4 | $392.5M | 40,729 |
| 2024Q4 | $359.5M | 39,885 |
| 2023Q4 | $348.9M | 39,533 |
Credit Union Details
- Charter Number
- 24774
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Missouri
- City
- WENTZVILLE
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for ALLTRU, spread across 5 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Wentzville, MO |
| Florissant | Florissant, MO |
| Hazelwood | Hazelwood, MO |
| St. Charles | Saint Charles, MO |
| Downtown | Saint Louis, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
Other federally-insured credit unions in Missouri, closest first by peer group and asset size.
Cross-state Call Report peers for ALLTRU
Similar total assets
Using this data
- ALLTRU ranks #2,895 of 4,374 nationally on financial health and #59 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BLUCURRENT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BLUCURRENT
Frequently Asked Questions
Is ALLTRU financially healthy?
On its 2025Q4 NCUA 5300 filing, ALLTRU scores 79/100 (Very Good), with a 9.23% net worth ratio and 1.91% of loans delinquent. It ranks #2,895 of 4,374 nationally on health and #59 of 89 in Missouri.
How does ALLTRU compare to other credit unions?
ALLTRU scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (89.22% vs 72.20%). Its widest shortfall is net worth ratio (9.23% vs 12.11%).
How can I join ALLTRU?
ALLTRU operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact ALLTRU directly for the exact boundaries and application steps.
Is my money safe at ALLTRU?
ALLTRU is a federal credit union; its shares are federally 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. ALLTRU's net worth ratio of 9.23% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.