Federal credit union · Saint Louis, Missouri · NCUA charter #24861
LUTHERAN
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $36.9M
- Total assets
- 4,514
- Members
- 8.6%
- Net-worth ratio
LUTHERAN scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $36.9M; members 4,514; net-worth ratio 8.57%; health rank #1,351 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,351 of 4,374 health · 2025Q4LUTHERAN · health 89/100 · $36.9M · 2025Q4
- NCUSIF 89/100
- CAMELS 8.6%
- HEALTH 0.00%
- NW 0.95%
- DELQ $36.9M
- ROA 4,514
- ASSETS #1,351/4,374
- MEM Port Arthur Teachers
- RANK 24861
Call Report peers
LUTHERAN in the assets neighbourhood
LUTHERAN's $36.9M assets sit next to Port Arthur Teachers ($36.9M) 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.
LUTHERAN 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
89 Top 31% higher than 69% 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
LUTHERAN - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #24861: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
LUTHERAN: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.00% here, 1.15% peer average (-1.15 pp).
- Largest lag: Net Worth Ratio at 8.57% vs peer 14.86% (-6.29 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
LUTHERAN: in-state Call Report ranks
- In Missouri, health place is #34 of 89 on the same NCUA-ratio sort used nationally.
- Missouri assets place: #48 of 89.
- Missouri membership ordinal: #44 of 89.
In-state ordinals use the live credit_unions table for MO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
LUTHERAN: 2025Q4 → 2026Q1
LUTHERAN: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +7.5% from $36.9M (2025Q4) to $39.6M (2026Q1).
- Net-worth ratio shifted -0.78 pp (9.35% → 8.57%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.57% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 26.4 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.3 pts
- Loan-to-Share Ratio 11.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.57% | -6.29 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 0.95% | +0.25 pp |
| Member Growth | 1.90% | - |
| Loan-to-Share Ratio | 55.04% | -4.76 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $39.6M | - |
| 2025Q4 | $36.9M | 4,514 |
| 2024Q4 | $32.5M | 4,430 |
| 2023Q4 | $31.8M | 5,009 |
Credit Union Details
- Charter Number
- 24861
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Missouri
- City
- Saint Louis
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, LUTHERAN runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Lutheran FCU Headquarters (Main Office) | Saint Louis, MO |
| Share One | Memphis, TN |
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.
Other-state peers near LUTHERAN
Cross-state asset and health neighbours for LUTHERAN - kept outside Missouri; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($36.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- LUTHERAN ranks #1,351 of 4,374 nationally on financial health and #34 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SHOW-ME is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SHOW-ME
- 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 LUTHERAN financially healthy?
A 8.57% net worth ratio and a 0.00% delinquency rate feed into LUTHERAN's financial health score of 89/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,351 of 4,374; by total assets it ranks #2,679 of 4,374 nationally (same basis as /rankings/largest); and #48 of 89 within Missouri. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does LUTHERAN compare to other credit unions?
Five weighted metrics from NCUA filings produce LUTHERAN's 89/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 LUTHERAN?
LUTHERAN operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact LUTHERAN directly for the exact boundaries and application steps.
Is my money safe at LUTHERAN?
Federal credit unions like LUTHERAN 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. LUTHERAN's net worth ratio of 8.57% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does LUTHERAN offer compared to banks?
Credit unions like LUTHERAN 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 LUTHERAN 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.