State credit union · Saint Louis, Missouri · NCUA charter #64723
Co - Lib
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $1.3M
- Total assets
- 234
- Members
- 15.0%
- Net-worth ratio
Co - Lib scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.3M; members 234; net-worth ratio 14.96%; health rank #154 of 4,374; healthier than 95th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#154 of 4,374 health · 2025Q4Co - Lib · health 97/100 · $1.3M · 2025Q4
- HEALTH 97/100
- NW 15.0%
- DELQ 0.84%
- ROA 1.54%
- ASSETS $1.3M
- MEM 234
- RANK #154/4,374
- PHOTO n/a
- BOOK 64723
Call Report peers
Co - Lib carries $1.3M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Co - Lib vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
97 Top 5% higher than 95% 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
Co - Lib - Share Insurance Coverage
Charter #64723's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Co - Lib vs Under $2M peers
- Largest favorable gap: Loan-to-Share Ratio at 80.94% vs peer 52.70% (+28.24 pp).
- Net Worth Ratio trails the peer set - 14.96% here, 22.93% peer average (-7.97 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Co - Lib sits in Missouri
- In Missouri, health place is #6 of 89 on the same NCUA-ratio sort used nationally.
- Missouri assets place: #86 of 89.
- Missouri membership ordinal: #89 of 89.
In-state ordinals use the live credit_unions table for MO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Co - Lib: 2025Q4 → 2026Q1
Co - Lib: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.7% from $1.3M (2025Q4) to $1.3M (2026Q1).
- Net-worth ratio shifted +0.39 pp (14.57% → 14.96%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 14.96%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 97/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.6 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.96% | -7.97 pp |
| Delinquency Rate | 0.84% | -3.63 pp |
| Return on Assets | 1.54% | +1.32 pp |
| Member Growth | 5.41% | - |
| Loan-to-Share Ratio | 80.94% | +28.24 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.3M | - |
| 2025Q4 | $1.3M | 234 |
| 2024Q4 | $1.2M | 222 |
| 2023Q4 | $1.1M | 225 |
Credit Union Details
- Charter Number
- 64723
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Missouri
- City
- Saint Louis
- Data Quarter
- 2025Q4
Branch Location
Co - Lib operates a single office in Saint Louis, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| St. Louis County Library - HQ (Main Office) | Saint Louis, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Co - Lib, both outside Missouri so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
Using this data
- Co - Lib ranks #154 of 4,374 nationally on financial health and #6 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Bluescope Employees' is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Bluescope Employees'
- Rates and health both vary by institution, not just by state -- see how Missouri credit unions compare overall before assuming this one is typical. Missouri state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Co - Lib financially healthy?
A 14.96% net worth ratio and a 0.84% delinquency rate feed into Co - Lib's financial health score of 97/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #154 of 4,374; by total assets it ranks #4,200 of 4,374 nationally (same basis as /rankings/largest); and #86 of 89 within Missouri. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Co - Lib compare to other credit unions?
Co - Lib scores 97/100 on PlainCU's health composite, compared to a peer group average for Under $2M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 Co - Lib?
Membership eligibility for Co - Lib depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Co - Lib directly for current membership requirements and application steps.
Is my money safe at Co - Lib?
Federal credit unions like Co - Lib 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. Co - Lib's net worth ratio of 14.96% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Co - Lib offer compared to banks?
Credit unions like Co - Lib 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 Co - Lib directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.