State credit union · Clayton, Missouri · NCUA charter #64056
COUNTY
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $25.6M
- Total assets
- 1,956
- Members
- 11.5%
- Net-worth ratio
COUNTY scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $25.6M; members 1,956; net-worth ratio 11.47%; health rank #2,126 of 4,374; healthier than 50th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,126 of 4,374 health · 2025Q4COUNTY · health 84/100 · $25.6M · 2025Q4
Call Report peers
COUNTY in the assets neighbourhood
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COUNTY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); COUNTY sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for COUNTY
- Delinquency Rate leads the peer set - 0.97% here, 1.15% peer average (-0.17 pp).
- Largest lag: Loan-to-Share Ratio at 53.67% vs peer 59.80% (-6.13 pp).
Where COUNTY sits in Missouri
- Missouri health ordinal: #47 of 89.
- By total assets, COUNTY is #53 of 89 in Missouri.
- Membership ranks #60 of 89 among Missouri CUs with a reported count (1,956 members).
- One place up in Missouri, Leadco Community (#46) ties at 84/100; one place down, Northeast Regional (#48) scores 83/100, 1 point lower.
COUNTY Call Report trajectory
COUNTY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $25.6M (2025Q4) to $26.2M (2026Q1).
- Net-worth ratio shifted -0.35 pp (11.82% → 11.47%).
At 11.47%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 84/100 score is built
COUNTY gives up 16 points in total. Member Growth costs the most, 7.9 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.3 pts
- Return on Assets 15.0 pts
- Member Growth 7.1 pts
- Loan-to-Share Ratio 11.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.47% | -3.39 pp |
| Delinquency Rate | 0.97% | -0.17 pp |
| Return on Assets | 0.82% | +0.11 pp |
| Member Growth | -1.06% | - |
| Loan-to-Share Ratio | 53.67% | -6.13 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
COUNTY quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $26.2M | - |
| 2025Q4 | $25.6M | 1,956 |
| 2024Q4 | $25.3M | 1,977 |
| 2023Q4 | $24.9M | 2,067 |
Credit Union Details
- Charter Number
- 64056
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Missouri
- City
- Clayton
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, COUNTY runs 3 offices in 3 different cities across 2 states.
| Office | City |
|---|---|
| Main office (Main Office) | SAINT LOUIS, MO |
| ATM1 | CLAYTON, MO |
| Millennium Corporate Credit Union | Wichita, KS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
More federally-insured credit unions based in Missouri, ordered by peer group match and asset size.
COUNTY nationwide neighbourhoods
Similar total assets
Using this data
- COUNTY ranks #2,126 of 4,374 nationally on financial health and #47 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LEGACY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LEGACY
Frequently Asked Questions
Is COUNTY financially healthy?
On its 2025Q4 NCUA 5300 filing, COUNTY scores 84/100 (Excellent), with a 11.47% net worth ratio and 0.97% of loans delinquent. It ranks #2,126 of 4,374 nationally on health and #47 of 89 in Missouri.
How does COUNTY compare to other credit unions?
COUNTY scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.97% vs 1.15%). Its widest shortfall is loan-to-share ratio (53.67% vs 59.80%).
How can I join COUNTY?
Membership eligibility for COUNTY depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact COUNTY directly for current membership requirements and application steps.
Is my money safe at COUNTY?
COUNTY 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. COUNTY's net worth ratio of 11.47% 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.