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
- HEALTH 84/100
- NW 11.5%
- DELQ 0.97%
- ROA 0.82%
- ASSETS $25.6M
- MEM 1,956
- RANK #2,126/4,374
- PHOTO Gulf Trust
- BOOK 64056
Call Report peers
COUNTY in the assets neighbourhood
COUNTY's $25.6M assets sit next to Gulf Trust ($25.6M) 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.
COUNTY 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
84 Top 50% higher than 50% 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
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.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for MO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
COUNTY Call Report trajectory
COUNTY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $25.6M (2025Q4) to $26.2M (2026Q1).
- Net-worth ratio shifted -0.35 pp (11.82% → 11.47%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
COUNTY's nationwide photo peers by assets and by health score, excluding Missouri charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($25.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
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
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,126 of 4,374; by total assets it ranks #2,970 of 4,374 nationally (same basis as /rankings/largest); and #53 of 89 within Missouri. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.47% 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 11.47% 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.
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.