State credit union · saint louis, Missouri · NCUA charter #64425
St. Louis Policemen`S
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $20.4M
- Total assets
- 2,259
- Members
- 18.2%
- Net-worth ratio
St. Louis Policemen`S scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $20.4M; members 2,259; net-worth ratio 18.17%; health rank #2,820 of 4,374; healthier than 33rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,820 of 4,374 health · 2025Q4St. Louis Policemen`S · health 79/100 · $20.4M · 2025Q4
- PHOTO 79/100
- BOOK 18.2%
- CHARTER 1.63%
- NCUSIF 0.15%
- CAMELS $20.4M
- HEALTH 2,259
- NW #2,820/4,374
- DELQ CONSUMER'S
- ROA 64425
Call Report peers
St. Louis Policemen`S in the assets neighbourhood
St. Louis Policemen`S's $20.4M assets sit next to CONSUMER'S ($20.4M) 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 Policemen`S 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
79 33rd percentile higher than 33% 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 Policemen`S - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #64425 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
St. Louis Policemen`S vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +3.31 pp (18.17% vs 14.86%).
- Largest lag: Loan-to-Share Ratio at 50.65% vs peer 59.80% (-9.15 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
St. Louis Policemen`S: in-state Call Report ranks
- In Missouri, health place is #58 of 89 on the same NCUA-ratio sort used nationally.
- By total assets, St. Louis Policemen`S is #58 of 89 in Missouri.
- Missouri membership ordinal: #55 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.
How St. Louis Policemen`S's 5300 filing moved
St. Louis Policemen`S: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $20.4M (2025Q4) to $20.5M (2026Q1).
- Net-worth ratio shifted -0.02 pp (18.19% → 18.17%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 18.17% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.3 pts
- Return on Assets 9.8 pts
- Member Growth 13.0 pts
- Loan-to-Share Ratio 10.9 pts
St. Louis Policemen`S health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.17% | +3.31 pp |
| Delinquency Rate | 1.63% | +0.48 pp |
| Return on Assets | 0.15% | -0.55 pp |
| Member Growth | 3.29% | - |
| Loan-to-Share Ratio | 50.65% | -9.15 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $20.5M | - |
| 2025Q4 | $20.4M | 2,259 |
| 2024Q4 | $20.4M | 2,187 |
| 2023Q4 | $21.5M | 2,186 |
Credit Union Details
- Charter Number
- 64425
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Missouri
- City
- saint louis
- Data Quarter
- 2025Q4
Branch Locations (2)
St. Louis Policemen`S operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| ST LOUIS POLICEMEN'S CREDIT UNION (Main Office) | Saint Louis, MO |
| FISERV | FRISCO, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
More federally-insured credit unions based in Missouri, ordered by peer group match and asset size.
- ST. LOUIS NEWSPAPER CARRIERSfenton, MO · $10M–$50M67Health
- UNITED LABORRaytown, MO · $10M–$50M89Health
- SUMMIT RIDGELEES SUMMIT, MO · $10M–$50M53Health
- LEADCO COMMUNITYPark Hills, MO · $10M–$50M84Health
- CATHOLIC FAMILYKansas City, MO · $10M–$50M58Health
Compare St. Louis Policemen`S vs ST. LOUIS NEWSPAPER CARRIERS
Other-state peers near St. Louis Policemen`S
Cross-state asset and health neighbours for St. Louis Policemen`S - kept outside Missouri; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($20.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- St. Louis Policemen`S ranks #2,820 of 4,374 nationally on financial health and #58 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- St. Louis Newspaper Carriers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with St. Louis Newspaper Carriers
- 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 Policemen`S financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, St. Louis Policemen`S carries a financial health score of 79/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,820 of 4,374; by total assets it ranks #3,136 of 4,374 nationally (same basis as /rankings/largest); and #58 of 89 within Missouri. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 18.17% net worth ratio and a 1.63% delinquency rate.
How does St. Louis Policemen`S compare to other credit unions?
On PlainCU's health composite, St. Louis Policemen`S lands at 79/100, 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 Policemen`S?
Membership eligibility for St. Louis Policemen`S 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 Policemen`S directly for current membership requirements and application steps.
Is my money safe at St. Louis Policemen`S?
Federal credit unions like St. Louis Policemen`S 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 Policemen`S's net worth ratio of 18.17% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does St. Louis Policemen`S offer compared to banks?
Credit unions like St. Louis Policemen`S 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 Policemen`S 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.