State credit union · Park Hills, Missouri · NCUA charter #67936
Leadco Community
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $22.6M
- Total assets
- 3,221
- Members
- 9.9%
- Net-worth ratio
Leadco Community - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67936: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Leadco Community - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)99
- Asset quality (delinquency)100
- Earnings (ROA)62
- Member growth50
- Liquidity (loan-to-share)82
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.89%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.89% | 30% |
| Delinquency Rate | 0.46% | 25% |
| Return on Assets | 0.12% | 15% |
| Member Growth | -0.83% | 15% |
| Loan-to-Share Ratio | 57.68% | 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 | $22.6M | 3,221 |
| 2024Q4 | $22.1M | 3,248 |
| 2023Q4 | $21.5M | 3,304 |
Credit Union Details
- Charter Number
- 67936
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Missouri
- City
- Park Hills
- Data Quarter
- 2025Q4
What This Data Says About Leadco Community
Charter #67936, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Leadco Community, a state credit union in Park Hills, Missouri with 3,221 members, $22.6M in total assets, and $11.7M in outstanding loans as of Q4 2025. The five-factor composite scores it 84/100 (Excellent), helped by a net worth ratio of 9.89% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 0.46% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. The loan-to-share ratio of 57.68% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.12% on net income of $28K 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 -0.83%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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 Leadco Community financially healthy?
A 9.89% net worth ratio and a 0.46% delinquency rate feed into Leadco Community's financial health score of 84/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Leadco Community compare to other credit unions?
On PlainCU's health composite, Leadco Community lands at 84/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 Leadco Community?
Membership eligibility for Leadco Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Leadco Community directly for current membership requirements and application steps.
Is my money safe at Leadco Community?
Federal credit unions like Leadco Community 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. Leadco Community's net worth ratio of 9.89% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Leadco Community offer compared to banks?
Credit unions like Leadco Community 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 Leadco Community 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.