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
Call Report peers
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
The busiest band is 85-89 (858 credit unions); Lovers Lane sits in 55-59 with 115 others.
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
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).
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).
- One place up in Missouri, Bothwell Hospital Employees (#80) scores 60/100, 1 point higher; one place down, Catholic Family (#82) scores 58/100, 1 point lower.
Quarter path for Lovers Lane
Lovers Lane: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.0% from $7.5M (2025Q4) to $7.7M (2026Q1).
- Net-worth ratio shifted +0.09 pp (13.79% → 13.88%).
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
Lovers Lane gives up 41 points in total. Delinquency Rate costs the most, 21.6 of its 25; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Lovers Lane financially healthy?
On its 2025Q4 NCUA 5300 filing, Lovers Lane scores 59/100 (Fair), with a 13.88% net worth ratio and 3.46% of loans delinquent. It ranks #4,088 of 4,374 nationally on health and #81 of 89 in Missouri.
How does Lovers Lane compare to other credit unions?
Lovers Lane scores 59/100, higher than 6% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (105.46% vs 63.60%). Its widest shortfall is net worth ratio (13.88% vs 19.06%).
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?
Lovers Lane 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. Lovers Lane's net worth ratio of 13.88% 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.