State credit union · Jefferson City, Missouri · NCUA charter #64199
Conservation Employees
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $188.0M
- Total assets
- 9,445
- Members
- 9.6%
- Net-worth ratio
Conservation Employees scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $188.0M; members 9,445; net-worth ratio 9.58%; health rank #695 of 4,374; healthier than 84th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#695 of 4,374 health · 2025Q4Conservation Employees · health 93/100 · $188.0M · 2025Q4
- BOOK 93/100
- CHARTER 9.6%
- NCUSIF 0.06%
- CAMELS 0.38%
- HEALTH $188.0M
- NW 9,445
- DELQ #695/4,374
- ROA AIM
- ASSETS 64199
Call Report peers
Conservation Employees in the assets neighbourhood
Conservation Employees's $188.0M assets sit next to AIM ($188.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Conservation Employees 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
93 Top 16% higher than 84% 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
Conservation Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #64199, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Conservation Employees
- Largest favorable gap: Delinquency Rate at 0.06% vs peer 0.89% (-0.83 pp).
- Largest lag: Net Worth Ratio at 9.58% vs peer 12.11% (-2.53 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Missouri standing for Conservation Employees
- In Missouri, health place is #23 of 89 on the same NCUA-ratio sort used nationally.
- Missouri assets place: #19 of 89.
- Membership ranks #29 of 89 among Missouri CUs with a reported count (9,445 members).
In-state ordinals use the live credit_unions table for MO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Conservation Employees Call Report trajectory
Conservation Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $188.0M (2025Q4) to $192.0M (2026Q1).
- Net-worth ratio shifted +0.06 pp (9.52% → 9.58%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.58%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 29.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.2 pts
- Member Growth 11.3 pts
- Loan-to-Share Ratio 14.5 pts
Conservation Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.58% | -2.53 pp |
| Delinquency Rate | 0.06% | -0.83 pp |
| Return on Assets | 0.38% | -0.24 pp |
| Member Growth | 1.92% | - |
| Loan-to-Share Ratio | 70.18% | -2.02 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Conservation Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $192.0M | - |
| 2025Q4 | $188.0M | 9,445 |
| 2024Q4 | $169.0M | 9,267 |
| 2023Q4 | $156.3M | 9,172 |
Credit Union Details
- Charter Number
- 64199
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Missouri
- City
- Jefferson City
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Conservation Employees runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Conservation Employees' Credit Union (Main Office) | Jefferson City, MO |
| Missouri Baptist Credit Union | Jefferson City, MO |
| Jack Henry & Associates, Inc | Monett, 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
Conservation Employees's nationwide photo peers by assets and by health score, excluding Missouri charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($188.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- Conservation Employees ranks #695 of 4,374 nationally on financial health and #23 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Public Safety is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Public Safety
- 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 Conservation Employees financially healthy?
Conservation Employees scores 93/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #695 of 4,374; by total assets it ranks #1,316 of 4,374 nationally (same basis as /rankings/largest); and #19 of 89 within Missouri. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.58% net worth ratio and a 0.06% delinquency rate.
How does Conservation Employees compare to other credit unions?
PlainCU's health composite puts Conservation Employees at 93/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Conservation Employees?
Membership eligibility for Conservation Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Conservation Employees directly for current membership requirements and application steps.
Is my money safe at Conservation Employees?
Federal credit unions like Conservation Employees 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. Conservation Employees's net worth ratio of 9.58% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Conservation Employees offer compared to banks?
Credit unions like Conservation Employees 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 Conservation Employees 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.