State credit union · Henley, Missouri · NCUA charter #67715
Our Lady of Snows
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $4.3M
- Total assets
- 866
- Members
- 15.5%
- Net-worth ratio
Our Lady of Snows scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.3M; members 866; net-worth ratio 15.47%; health rank #465 of 4,374; healthier than 87th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#465 of 4,374 health · 2025Q4Our Lady of Snows · health 94/100 · $4.3M · 2025Q4
- BOOK 94/100
- CHARTER 15.5%
- NCUSIF 0.00%
- CAMELS 0.94%
- HEALTH $4.3M
- NW 866
- DELQ #465/4,374
- ROA n/a
- ASSETS 67715
Call Report peers
Our Lady of Snows carries $4.3M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Our Lady of Snows 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
94 Top 13% higher than 87% 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
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 vs $2M–$10M peers
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +3.01 pp (66.61% vs 63.60%).
- Net Worth Ratio trails the peer set - 15.47% here, 19.06% peer average (-3.59 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Our Lady of Snows sits in Missouri
- Health composite ranks #17 of 89 among scored Missouri credit unions.
- Assets rank #80 of 89 inside Missouri ($4.3M reported).
- Membership ranks #78 of 89 among Missouri CUs with a reported count (866 members).
In-state ordinals use the live credit_unions table for MO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Our Lady of Snows's 5300 filing moved
Our Lady of Snows: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.1% from $4.3M (2025Q4) to $4.3M (2026Q1).
- Net-worth ratio shifted +0.18 pp (15.29% → 15.47%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 15.47% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 14.4 pts
Our Lady of Snows vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.47% | -3.59 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 0.94% | +0.49 pp |
| Member Growth | 0.46% | - |
| Loan-to-Share Ratio | 66.61% | +3.01 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - Our Lady of Snows
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.3M | - |
| 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
Branch Location
Our Lady of Snows operates a single office in Henley, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| OLOSCU (Main Office) | Henley, MO |
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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Our Lady of Snows, both outside Missouri so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- Our Lady of Snows ranks #465 of 4,374 nationally on financial health and #17 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Dexter Public Schools is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Dexter Public Schools
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #465 of 4,374; by total assets it ranks #3,946 of 4,374 nationally (same basis as /rankings/largest); and #80 of 89 within Missouri. Above 80 reads excellent, below 50 warrants closer monitoring; a 15.47% 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 15.47% 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.
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.