State credit union · Clayton, Missouri · NCUA charter #64056
County
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $25.6M
- Total assets
- 1,956
- Members
- 11.8%
- Net-worth ratio
County - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #64056: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
County - 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)100
- Asset quality (delinquency)81
- Earnings (ROA)100
- Member growth47
- Liquidity (loan-to-share)75
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 11.82%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.82% | 30% |
| Delinquency Rate | 0.97% | 25% |
| Return on Assets | 0.82% | 15% |
| Member Growth | -1.06% | 15% |
| Loan-to-Share Ratio | 53.67% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About County
Charter #64056, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's County, a state credit union in Clayton, Missouri with 1,956 members, $25.6M in total assets, and $11.9M in outstanding loans as of Q4 2025. The five-factor composite scores it 84/100 (Excellent), helped by a net worth ratio of 11.82% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 0.97% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers - and a 53.67% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.82% on net income of $210K 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 -1.06%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Missouri
More federally-insured credit unions based in Missouri, ordered by peer group match and asset size.
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 County financially healthy?
Yes/no aside, the number is 84/100 (Excellent) - County's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.82% net worth ratio and 0.97% delinquency rate are the key drivers.
How does County compare to other credit unions?
PlainCU's health composite puts County at 84/100, compared to a peer group average for $10M–$50M 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 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?
Federal credit unions like County 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. County's net worth ratio of 11.82% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does County offer compared to banks?
Credit unions like County 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 County 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.