State credit union · fenton, Missouri · NCUA charter #63055
St. Louis Newspaper Carriers
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $19.3M
- Total assets
- 519
- Members
- 6.6%
- Net-worth ratio
St. Louis Newspaper Carriers scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $19.3M; members 519; net-worth ratio 6.63%; health rank #3,792 of 4,374; healthier than 13th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,792 of 4,374 health · 2025Q4St. Louis Newspaper Carriers · health 67/100 · $19.3M · 2025Q4
- BOOK 67/100
- CHARTER 6.6%
- NCUSIF 0.02%
- CAMELS -0.62%
- HEALTH $19.3M
- NW 519
- DELQ #3,792/4,374
- ROA NEWRIZONS
- ASSETS 63055
Call Report peers
St. Louis Newspaper Carriers in the assets neighbourhood
St. Louis Newspaper Carriers's $19.3M assets sit next to NEWRIZONS ($19.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
St. Louis Newspaper Carriers 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
67 13th percentile higher than 13% 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
St. Louis Newspaper Carriers - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #63055, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for St. Louis Newspaper Carriers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +32.40 pp (92.20% vs 59.80%).
- Widest shortfall vs peers is Net Worth Ratio: -8.23 pp (6.63% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
St. Louis Newspaper Carriers in Missouri
- Health composite ranks #76 of 89 among scored Missouri credit unions.
- Assets rank #59 of 89 inside Missouri ($19.3M reported).
- Missouri membership ordinal: #82 of 89.
In-state ordinals use the live credit_unions table for MO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
St. Louis Newspaper Carriers: 2025Q4 → 2026Q1
St. Louis Newspaper Carriers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.8% from $19.3M (2025Q4) to $19.8M (2026Q1).
- Net-worth ratio shifted -0.22 pp (6.85% → 6.63%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 6.63%, this institution is below the 7.0% NCUA well-capitalized threshold.
How the 67/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 67.
- Net Worth Ratio 19.7 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 8.0 pts
- Loan-to-Share Ratio 14.3 pts
St. Louis Newspaper Carriers vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 6.63% | -8.23 pp |
| Delinquency Rate | 0.02% | -1.12 pp |
| Return on Assets | -0.62% | -1.33 pp |
| Member Growth | -0.57% | - |
| Loan-to-Share Ratio | 92.20% | +32.40 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - St. Louis Newspaper Carriers
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $19.8M | - |
| 2025Q4 | $19.3M | 519 |
| 2024Q4 | $19.4M | 522 |
| 2023Q4 | $21.3M | 517 |
Credit Union Details
- Charter Number
- 63055
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Missouri
- City
- fenton
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, St. Louis Newspaper Carriers runs one office.
| Office | City |
|---|---|
| st louis newspaper carriers credit union (Main Office) | Fenton, 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.
Other-state peers near St. Louis Newspaper Carriers
Two NCUA Call Report peer sets for St. Louis Newspaper Carriers, both outside Missouri so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($19.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (67/100 here).
Using this data
- St. Louis Newspaper Carriers ranks #3,792 of 4,374 nationally on financial health and #76 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Summit Ridge is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Summit Ridge
- 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 St. Louis Newspaper Carriers financially healthy?
Yes/no aside, the number is 67/100 (Good) - St. Louis Newspaper Carriers'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 #3,792 of 4,374; by total assets it ranks #3,174 of 4,374 nationally (same basis as /rankings/largest); and #59 of 89 within Missouri. Above 80 reads excellent, below 50 warrants closer monitoring; a 6.63% net worth ratio and 0.02% delinquency rate are the key drivers.
How does St. Louis Newspaper Carriers compare to other credit unions?
On PlainCU's health composite, St. Louis Newspaper Carriers lands at 67/100, compared to a peer group average for $10M–$50M 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 St. Louis Newspaper Carriers?
Membership eligibility for St. Louis Newspaper Carriers depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact St. Louis Newspaper Carriers directly for current membership requirements and application steps.
Is my money safe at St. Louis Newspaper Carriers?
Federal credit unions like St. Louis Newspaper Carriers 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. St. Louis Newspaper Carriers's net worth ratio of 6.63% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does St. Louis Newspaper Carriers offer compared to banks?
Credit unions like St. Louis Newspaper Carriers 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 St. Louis Newspaper Carriers 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.