State credit union · Kelso, Missouri · NCUA charter #67750
St. Augustine
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $1.5M
- Total assets
- 426
- Members
- 14.2%
- Net-worth ratio
St. Augustine scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.5M; members 426; net-worth ratio 14.22%; health rank #2,716 of 4,374; healthier than 36th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,716 of 4,374 health · 2025Q4St. Augustine · health 80/100 · $1.5M · 2025Q4
Call Report peers
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St. Augustine vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); St. Augustine sits in 80-84 with 767 others.
80 36th percentile higher than 36% 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
Peer-gap read for St. Augustine
- Strongest edge vs 243 Under $2M peers is Loan-to-Share Ratio: +48.12 pp (100.82% vs 52.70%).
- Net Worth Ratio trails the peer set - 14.22% here, 22.93% peer average (-8.71 pp).
Missouri standing for St. Augustine
- Missouri health ordinal: #56 of 89.
- By total assets, St. Augustine is #85 of 89 in Missouri.
- Member book place in Missouri: #83 of 89.
- One place up in Missouri, CITY (#55) scores 81/100, 1 point higher; one place down, Assemblies of God (#57) ties at 80/100.
Quarter path for St. Augustine
St. Augustine: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $1.5M (2025Q4) to $1.5M (2026Q1).
- Net-worth ratio shifted -0.18 pp (14.40% → 14.22%).
At 14.22%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
St. Augustine gives up 20 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.0 pts
Call Report ratios for St. Augustine
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.22% | -8.71 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 1.05% | +0.83 pp |
| Member Growth | -7.59% | - |
| Loan-to-Share Ratio | 100.82% | +48.12 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
St. Augustine quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.5M | - |
| 2025Q4 | $1.5M | 426 |
| 2024Q4 | $1.7M | 461 |
| 2023Q4 | $1.7M | 458 |
Credit Union Details
- Charter Number
- 67750
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Missouri
- City
- Kelso
- Data Quarter
- 2025Q4
Branch Locations (2)
St. Augustine operates 2 offices in Scott City, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Laurie Essner (Main Office) | Scott City, MO |
| Mary Kay Sclosser | Scott City, 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
Using this data
- St. Augustine ranks #2,716 of 4,374 nationally on financial health and #56 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Bothwell Hospital Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Bothwell Hospital Employees
Frequently Asked Questions
Is St. Augustine financially healthy?
St. Augustine has a financial health score of 80/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,716 of 4,374 nationally on health and #56 of 89 in Missouri. Its net worth ratio is 14.22% and its delinquency rate 0.00%.
How does St. Augustine compare to other credit unions?
St. Augustine scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (100.82% vs 52.70%). Its widest shortfall is net worth ratio (14.22% vs 22.93%).
How can I join St. Augustine?
Membership eligibility for St. Augustine depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact St. Augustine directly for current membership requirements and application steps.
Is my money safe at St. Augustine?
St. Augustine 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. St. Augustine's net worth ratio of 14.22% 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.