State credit union · Henley, Missouri · NCUA charter #67715
Our Lady of Snows
Health score 94/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $4.3M
- Total assets
- 866
- Members
- 14.8%
- Net-worth ratio
Our Lady of Snows - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #67715 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Our Lady of Snows - 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)100
- Earnings (ROA)100
- Member growth64
- Liquidity (loan-to-share)95
Weighted composite: 94/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 14.77% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.77% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.94% | 15% |
| Member Growth | 0.46% | 15% |
| Loan-to-Share Ratio | 66.61% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $4.3M | 866 |
| 2024Q4 | $4.2M | 862 |
| 2023Q4 | $4.6M | 867 |
Credit Union Details
- Charter Number
- 67715
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Missouri
- City
- Henley
- Data Quarter
- 2025Q4
What This Data Says About Our Lady of Snows
Headquartered in Henley, Missouri, Our Lady of Snows is a state credit union with 866 members, $4.3M in total assets, and $2.4M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 94/100 (Excellent), driven in part by a net worth ratio of 14.77% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #67715 and reports within peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Two more numbers round out the picture: a 0.00% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers - and a 66.61% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.94% on net income of $41K 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 0.46%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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.
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 Our Lady of Snows financially healthy?
Yes/no aside, the number is 94/100 (Excellent) - Our Lady of Snows's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.77% net worth ratio and 0.00% delinquency rate are the key drivers.
How does Our Lady of Snows compare to other credit unions?
94/100 is Our Lady of Snows's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Our Lady of Snows?
Membership eligibility for Our Lady of Snows depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Our Lady of Snows directly for current membership requirements and application steps.
Is my money safe at Our Lady of Snows?
Federal credit unions like Our Lady of Snows 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. Our Lady of Snows's net worth ratio of 14.77% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Our Lady of Snows offer compared to banks?
Credit unions like Our Lady of Snows 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 Our Lady of Snows 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.