State credit union · Saint Louis, Missouri · NCUA charter #62905
NEIGHBORS
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $560.9M
- Total assets
- 47,972
- Members
- 12.4%
- Net-worth ratio
NEIGHBORS scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $560.9M; members 47,972; net-worth ratio 12.38%; health rank #3,336 of 4,374; healthier than 23rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,336 of 4,374 health · 2025Q4NEIGHBORS · health 74/100 · $560.9M · 2025Q4
Call Report peers
NEIGHBORS in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
NEIGHBORS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); NEIGHBORS sits in 70-74 with 317 others.
74 23rd percentile higher than 23% 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
NEIGHBORS vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 88.60% here, 83.90% peer average (+4.70 pp).
- Return on Assets trails the peer set - 0.04% here, 0.51% peer average (-0.47 pp).
Missouri standing for NEIGHBORS
- Health composite ranks #69 of 89 among scored Missouri credit unions.
- Assets rank #5 of 89 inside Missouri ($560.9M reported).
- Missouri membership ordinal: #6 of 89.
- One place up in Missouri, Kc Unidos (#68) ties at 74/100; one place down, Academic Employees (#70) ties at 74/100.
NEIGHBORS: 2025Q4 → 2026Q1
NEIGHBORS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $560.9M (2025Q4) to $571.9M (2026Q1).
- Net-worth ratio shifted +0.21 pp (12.17% → 12.38%).
12.38% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 74/100 score is built
NEIGHBORS gives up 26 points in total. Member Growth costs the most, 10.4 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.4 pts
- Return on Assets 6.3 pts
- Member Growth 4.6 pts
- Loan-to-Share Ratio 14.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.38% | +1.20 pp |
| Delinquency Rate | 1.22% | +0.34 pp |
| Return on Assets | 0.04% | -0.47 pp |
| Member Growth | -2.43% | - |
| Loan-to-Share Ratio | 88.60% | +4.70 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
NEIGHBORS quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $571.9M | - |
| 2025Q4 | $560.9M | 47,972 |
| 2024Q4 | $532.8M | 49,168 |
| 2023Q4 | $491.2M | 48,515 |
Credit Union Details
- Charter Number
- 62905
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Missouri
- City
- Saint Louis
- Data Quarter
- 2025Q4
Branch Locations (8)
The NCUA branch filing lists 8 physical offices for NEIGHBORS, spread across 6 cities.
| Office | City |
|---|---|
| Neighbors Credit Union (Main Office) | Saint Louis, MO |
| Fenton | Fenton, MO |
| NHF | Florissant, MO |
| Howdershell | Florissant, MO |
| Jennings | Jennings, MO |
| Manchester | Manchester, MO |
| Downtown | Saint Louis, MO |
| St. Peters | Saint Peters, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
Other federally-insured credit unions in Missouri, closest first by peer group and asset size.
NEIGHBORS nationwide neighbourhoods
Using this data
- NEIGHBORS ranks #3,336 of 4,374 nationally on financial health and #69 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- VANTAGE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with VANTAGE
Frequently Asked Questions
Is NEIGHBORS financially healthy?
NEIGHBORS has a financial health score of 74/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,336 of 4,374 nationally on health and #69 of 89 in Missouri. Its net worth ratio is 12.38% and its delinquency rate 1.22%.
How does NEIGHBORS compare to other credit unions?
NEIGHBORS scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (88.60% vs 83.90%). Its widest shortfall is return on assets (0.04% vs 0.51%).
How can I join NEIGHBORS?
Membership eligibility for NEIGHBORS depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact NEIGHBORS directly for current membership requirements and application steps.
Is my money safe at NEIGHBORS?
NEIGHBORS 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. NEIGHBORS's net worth ratio of 12.38% 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.