State credit union · Saint Louis, Missouri · NCUA charter #62905
Neighbors
Health score 74/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $560.9M
- Total assets
- 47,972
- Members
- 11.9%
- Net-worth ratio
Neighbors - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #62905, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Neighbors - 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)100
- Asset quality (delinquency)74
- Earnings (ROA)42
- Member growth31
- Liquidity (loan-to-share)100
Weighted composite: 74/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
11.94% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.94% | 30% |
| Delinquency Rate | 1.22% | 25% |
| Return on Assets | 0.04% | 15% |
| Member Growth | -2.43% | 15% |
| Loan-to-Share Ratio | 88.60% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Neighbors
Neighbors is a state credit union headquartered in Saint Louis, Missouri, serving 47,972 members with $560.9M in total assets and $437.8M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 74/100 (Very Good), anchored by a net worth ratio of 11.94% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #62905 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
Deposits deployed into lending sit at a 88.60% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 1.22% of the book 60+ days past due - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Return on assets stands at 0.04% on net income of $224K 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 -2.43%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Missouri
Other federally-insured credit unions in Missouri, closest first by peer group 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 Neighbors financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Neighbors carries a financial health score of 74/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.94% net worth ratio and a 1.22% delinquency rate.
How does Neighbors compare to other credit unions?
PlainCU's health composite puts Neighbors at 74/100, compared to a peer group average for Over $500M 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 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?
Federal credit unions like Neighbors 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. Neighbors's net worth ratio of 11.94% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Neighbors offer compared to banks?
Credit unions like Neighbors 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 Neighbors 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.