State credit union · HANNIBAL, Missouri · NCUA charter #64709
Northeast Regional
Health score 83/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $1.8M
- Total assets
- 336
- Members
- 13.3%
- Net-worth ratio
Northeast Regional - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #64709, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Northeast Regional - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth15
- Liquidity (loan-to-share)72
Weighted composite: 83/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
13.34% 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 | 13.34% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.57% | 15% |
| Member Growth | -3.72% | 15% |
| Loan-to-Share Ratio | 99.37% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.8M | 336 |
| 2024Q4 | $1.7M | 349 |
| 2023Q4 | $1.8M | 353 |
Credit Union Details
- Charter Number
- 64709
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Missouri
- City
- HANNIBAL
- Data Quarter
- 2025Q4
What This Data Says About Northeast Regional
Headquartered in HANNIBAL, Missouri, Northeast Regional is a state credit union with 336 members, $1.8M in total assets, and $1.5M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 83/100 (Excellent), driven in part by a net worth ratio of 13.34% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #64709 and reports within peer group Under $2M, a cohort of 243 similarly-sized institutions.
0.00% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Deposit deployment is captured by the 99.37% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.57% on net income of $10K 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 -3.72%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Missouri
More federally-insured credit unions based in Missouri, ordered by peer group match 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 Northeast Regional financially healthy?
Yes/no aside, the number is 83/100 (Excellent) - Northeast Regional's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.34% net worth ratio and 0.00% delinquency rate are the key drivers.
How does Northeast Regional compare to other credit unions?
On PlainCU's health composite, Northeast Regional lands at 83/100, compared to a peer group average for Under $2M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 Northeast Regional?
Membership eligibility for Northeast Regional depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Northeast Regional directly for current membership requirements and application steps.
Is my money safe at Northeast Regional?
Federal credit unions like Northeast Regional 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. Northeast Regional's net worth ratio of 13.34% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Northeast Regional offer compared to banks?
Credit unions like Northeast Regional 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 Northeast Regional 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.