State credit union · SAINT JOSEPH, Missouri · NCUA charter #67708
St. Joseph Teachers'
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $8.7M
- Total assets
- 1,085
- Members
- 10.7%
- Net-worth ratio
St. Joseph Teachers' scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.7M; members 1,085; net-worth ratio 10.69%; health rank #3,285 of 4,374; healthier than 24th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,285 of 4,374 health · 2025Q4St. Joseph Teachers' · health 75/100 · $8.7M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
St. Joseph Teachers' vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); St. Joseph Teachers' sits in 75-79 with 502 others.
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
St. Joseph Teachers': Call Report deltas vs peers
- Largest favorable gap: Return on Assets at 0.86% vs peer 0.45% (+0.41 pp).
- Largest lag: Loan-to-Share Ratio at 37.89% vs peer 63.60% (-25.71 pp).
St. Joseph Teachers' in Missouri
- Missouri health ordinal: #66 of 89.
- By total assets, St. Joseph Teachers' is #73 of 89 in Missouri.
- Membership ranks #74 of 89 among Missouri CUs with a reported count (1,085 members).
- One place up in Missouri, K.C. Area (#65) scores 76/100, 1 point higher; one place down, Educational Community (#67) ties at 75/100.
How St. Joseph Teachers''s 5300 filing moved
St. Joseph Teachers': total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.7% from $8.7M (2025Q4) to $8.7M (2026Q1).
- Net-worth ratio shifted +0.20 pp (10.49% → 10.69%).
10.69% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 75/100 score is built
St. Joseph Teachers' gives up 25 points in total. Member Growth costs the most, 11.6 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.9 pts
- Return on Assets 15.0 pts
- Member Growth 3.4 pts
- Loan-to-Share Ratio 9.7 pts
Call Report ratios for St. Joseph Teachers'
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.69% | -8.37 pp |
| Delinquency Rate | 1.41% | -0.40 pp |
| Return on Assets | 0.86% | +0.41 pp |
| Member Growth | -3.13% | - |
| Loan-to-Share Ratio | 37.89% | -25.71 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
St. Joseph Teachers' filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.7M | - |
| 2025Q4 | $8.7M | 1,085 |
| 2024Q4 | $8.5M | 1,120 |
| 2023Q4 | $8.8M | 1,157 |
Credit Union Details
- Charter Number
- 67708
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Missouri
- City
- SAINT JOSEPH
- Data Quarter
- 2025Q4
Branch Location
St. Joseph Teachers' operates a single office in SAINT JOSEPH, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| SAINT JOSEPH TEACHERS' CREDIT UNION (Main Office) | SAINT JOSEPH, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
Other federally-insured credit unions in Missouri, closest first by peer group and asset size.
St. Joseph Teachers' nationwide neighbourhoods
Similar health score
Using this data
- St. Joseph Teachers' ranks #3,285 of 4,374 nationally on financial health and #66 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Community First is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Community First
Frequently Asked Questions
Is St. Joseph Teachers' financially healthy?
On its 2025Q4 NCUA 5300 filing, St. Joseph Teachers' scores 75/100 (Very Good), with a 10.69% net worth ratio and 1.41% of loans delinquent. It ranks #3,285 of 4,374 nationally on health and #66 of 89 in Missouri.
How does St. Joseph Teachers' compare to other credit unions?
St. Joseph Teachers' scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is return on assets (0.86% vs 0.45%). Its widest shortfall is loan-to-share ratio (37.89% vs 63.60%).
How can I join St. Joseph Teachers'?
Membership eligibility for St. Joseph Teachers' depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact St. Joseph Teachers' directly for current membership requirements and application steps.
Is my money safe at St. Joseph Teachers'?
St. Joseph Teachers' 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. Joseph Teachers''s net worth ratio of 10.69% 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.