State credit union · SAINT JOSEPH, Missouri · NCUA charter #64208
Lovers Lane
Health score 59/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 59
- Health / 100
- $7.5M
- Total assets
- 1,028
- Members
- 13.9%
- Net-worth ratio
Lovers Lane scores 59/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.5M; members 1,028; net-worth ratio 13.88%; health rank #4,088 of 4,374; healthier than 6th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,088 of 4,374 health · 2025Q4Lovers Lane · health 59/100 · $7.5M · 2025Q4
- CHARTER 59/100
- NCUSIF 13.9%
- CAMELS 3.46%
- HEALTH 0.14%
- NW $7.5M
- DELQ 1,028
- ROA #4,088/4,374
- ASSETS n/a
- MEM 64208
Call Report peers
Lovers Lane carries $7.5M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Lovers Lane 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
59 6th percentile higher than 6% 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
Lovers Lane - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #64208 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Lovers Lane
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +41.86 pp (105.46% vs 63.60%).
- Largest lag: Net Worth Ratio at 13.88% vs peer 19.06% (-5.18 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Lovers Lane in Missouri
- Health composite ranks #81 of 89 among scored Missouri credit unions.
- Missouri assets place: #75 of 89.
- Membership ranks #75 of 89 among Missouri CUs with a reported count (1,028 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.
Quarter path for Lovers Lane
Lovers Lane: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $7.5M (2025Q4) to $7.7M (2026Q1).
- Net-worth ratio shifted +0.09 pp (13.79% → 13.88%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 13.88% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 59/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 59.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 3.4 pts
- Return on Assets 9.6 pts
- Member Growth 7.8 pts
- Loan-to-Share Ratio 8.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.88% | -5.18 pp |
| Delinquency Rate | 3.46% | +1.65 pp |
| Return on Assets | 0.14% | -0.31 pp |
| Member Growth | -0.68% | - |
| Loan-to-Share Ratio | 105.46% | +41.86 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Lovers Lane filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.7M | - |
| 2025Q4 | $7.5M | 1,028 |
| 2024Q4 | $7.9M | 1,035 |
| 2023Q4 | $8.0M | 1,022 |
Credit Union Details
- Charter Number
- 64208
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Missouri
- City
- SAINT JOSEPH
- Data Quarter
- 2025Q4
Branch Locations (2)
Lovers Lane operates 2 offices in Saint Joseph, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Lovers Lane Credit Union (Main Office) | Saint Joseph, MO |
| Lovers Lane Credit Union | Saint Joseph, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Lovers Lane - kept outside Missouri; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (59/100 here).
Using this data
- Lovers Lane ranks #4,088 of 4,374 nationally on financial health and #81 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Kc Unidos is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Kc Unidos
- 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 Lovers Lane financially healthy?
A 13.88% net worth ratio and a 3.46% delinquency rate feed into Lovers Lane's financial health score of 59/100 (Fair), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,088 of 4,374; by total assets it ranks #3,702 of 4,374 nationally (same basis as /rankings/largest); and #75 of 89 within Missouri. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Lovers Lane compare to other credit unions?
PlainCU's health composite puts Lovers Lane at 59/100, compared to a peer group average for $2M–$10M 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 Lovers Lane?
Membership eligibility for Lovers Lane depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Lovers Lane directly for current membership requirements and application steps.
Is my money safe at Lovers Lane?
Federal credit unions like Lovers Lane 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. Lovers Lane's net worth ratio of 13.88% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Lovers Lane offer compared to banks?
Credit unions like Lovers Lane 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 Lovers Lane 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.