State credit union · Saint Louis, Missouri · NCUA charter #64723
Co - Lib
Health score 97/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $1.3M
- Total assets
- 234
- Members
- 13.4%
- Net-worth ratio
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 - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)86
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)100
Weighted composite: 97/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 13.40%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.40% | 30% |
| Delinquency Rate | 0.84% | 25% |
| Return on Assets | 1.54% | 15% |
| Member Growth | 5.41% | 15% |
| Loan-to-Share Ratio | 80.94% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Co - Lib
Headquartered in Saint Louis, Missouri, Co - Lib is a state credit union with 234 members, $1.3M in total assets, and $870K in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 97/100 (Excellent), driven in part by a net worth ratio of 13.40% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #64723 and reports within peer group Under $2M, a cohort of 243 similarly-sized institutions.
On loan book quality: 0.84% of loans are 60+ days past due against the total loan book - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Meanwhile a 80.94% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.54% on net income of $19K 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.
Year-over-year membership changed by 5.41%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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 Co - Lib financially healthy?
A 13.40% 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. 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 13.40% 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.
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.