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.
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NCUA 5300 Call Report Masthead
#154 of 4,374 health · 2025Q4Co - Lib · health 97/100 · $1.3M · 2025Q4
Call Report peers
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Co - Lib vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Co - Lib sits in 95-99 with 391 others.
97 Top 5% higher than 95% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Missouri, MULTIPLI (#5) scores 98/100, 1 point higher; one place down, SHOW-ME (#7) ties at 97/100.
Co - Lib: 2025Q4 → 2026Q1
Co - Lib: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.7% from $1.3M (2025Q4) to $1.3M (2026Q1).
- Net-worth ratio shifted +0.39 pp (14.57% → 14.96%).
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
Co - Lib gives up 3 points in total. Delinquency Rate costs the most, 3.4 of its 25; Net Worth Ratio and Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
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
Similar health score
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'
Frequently Asked Questions
Is Co - Lib financially healthy?
Co - Lib has a financial health score of 97/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #154 of 4,374 nationally on health and #6 of 89 in Missouri. Its net worth ratio is 14.96% and its delinquency rate 0.84%.
How does Co - Lib compare to other credit unions?
Co - Lib scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (80.94% vs 52.70%). Its widest shortfall is net worth ratio (14.96% vs 22.93%).
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?
Co - Lib is a state-chartered 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. Co - Lib's net worth ratio of 14.96% 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.