State credit union · Jefferson City, Missouri · NCUA charter #64199
Conservation Employees
Health score 93/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $188.0M
- Total assets
- 9,445
- Members
- 9.5%
- Net-worth ratio
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.
Conservation Employees - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)96
- Asset quality (delinquency)100
- Earnings (ROA)88
- Member growth75
- Liquidity (loan-to-share)100
Weighted composite: 93/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.50%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.50% | 30% |
| Delinquency Rate | 0.06% | 25% |
| Return on Assets | 0.38% | 15% |
| Member Growth | 1.92% | 15% |
| Loan-to-Share Ratio | 70.18% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Conservation Employees
Headquartered in Jefferson City, Missouri, Conservation Employees is a state credit union with 9,445 members, $188.0M in total assets, and $119.6M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 93/100 (Excellent), driven in part by a net worth ratio of 9.50% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #64199 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Two more numbers round out the picture: a 0.06% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers - and a 70.18% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.38% on net income of $715K 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 1.92%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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 Conservation Employees financially healthy?
Conservation Employees scores 93/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.50% 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 9.50% 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.
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.