State credit union · saint louis, Missouri · NCUA charter #64425

St. Louis Policemen`s

Health score 79/100 (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 - 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.

NCUSIF coverage gauge for St. Louis Policemen`s Share insurance under NCUSIF covers up to $250,000 per share owner. St. Louis Policemen`s holds approximately $16.7M in member shares. Composite CAMELS rating bracket 2 (Satisfactory). Risk-based capital ratio 18.2 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 2 · Satisfactory RBC ratio 18.2% · $16.7M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

St. Louis Policemen`s - Five Health Pillars

Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.

  • Capital (net worth ratio) 18.19% 30% weight
  • Asset quality (delinquency) 1.63% 25% weight
  • Earnings (ROA) 0.15% 15% weight
  • Member growth 3.29% 15% weight
  • Liquidity (loan-to-share) 51% 15% weight

Weighted composite: 79/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 100.0%

This credit union's 18.19% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.

$20.4M
Total Assets
2,259
Members
$8.4M
Total Loans
$16.7M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 18.19% 30%
Delinquency Rate 1.63% 25%
Return on Assets 0.15% 15%
Member Growth 3.29% 15%
Loan-to-Share Ratio 50.65% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).

Historical Financials

Quarter Assets Members
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

What This Data Says About St. Louis Policemen`s

2,259 members and $20.4M in total assets sit behind St. Louis Policemen`s, a state credit union in saint louis, Missouri, which posts a health score of 79/100 (Very Good) on the five-factor composite, with $8.4M in outstanding loans as of Q4 2025 and a net worth ratio of 18.19% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #64425 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.

1.63% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Deposit deployment is captured by the 50.65% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.15% on net income of $31K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.

Year-over-year membership changed by 3.29%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.

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Sources & disclaimer

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 18.19% 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 18.19% 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.

Read our methodology - how this data is sourced, computed, and verified.

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.