State credit union · Saint Joseph, Missouri · NCUA charter #67801
STATIONERY
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $16.6M
- Total assets
- 1,991
- Members
- 14.0%
- Net-worth ratio
STATIONERY scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $16.6M; members 1,991; net-worth ratio 13.95%; health rank #1,228 of 4,374; healthier than 69th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,228 of 4,374 health · 2025Q4STATIONERY · health 89/100 · $16.6M · 2025Q4
- ASSETS 89/100
- MEM 14.0%
- RANK 0.72%
- PHOTO 1.44%
- BOOK $16.6M
- CHARTER 1,991
- NCUSIF #1,228/4,374
- CAMELS Spokane Media
- HEALTH 67801
Call Report peers
STATIONERY in the assets neighbourhood
STATIONERY's $16.6M assets sit next to Spokane Media ($16.6M) 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.
STATIONERY 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
89 Top 31% higher than 69% 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
STATIONERY - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #67801, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
STATIONERY vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Return on Assets: +0.74 pp (1.44% vs 0.70%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -22.17 pp (37.63% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where STATIONERY sits in Missouri
- In Missouri, health place is #32 of 89 on the same NCUA-ratio sort used nationally.
- By total assets, STATIONERY is #63 of 89 in Missouri.
- Membership ranks #58 of 89 among Missouri CUs with a reported count (1,991 members).
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 STATIONERY's 5300 filing moved
STATIONERY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $16.6M (2025Q4) to $17.0M (2026Q1).
- Net-worth ratio shifted -0.18 pp (14.13% → 13.95%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.95% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.8 pts
- Return on Assets 15.0 pts
- Member Growth 11.5 pts
- Loan-to-Share Ratio 9.7 pts
STATIONERY health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.95% | -0.91 pp |
| Delinquency Rate | 0.72% | -0.43 pp |
| Return on Assets | 1.44% | +0.74 pp |
| Member Growth | 2.05% | - |
| Loan-to-Share Ratio | 37.63% | -22.17 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 | $17.0M | - |
| 2025Q4 | $16.6M | 1,991 |
| 2024Q4 | $17.5M | 1,951 |
| 2023Q4 | $16.5M | 2,044 |
Credit Union Details
- Charter Number
- 67801
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Missouri
- City
- Saint Joseph
- Data Quarter
- 2025Q4
Branch Location
STATIONERY operates a single office in Saint Joseph, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Stationery 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.
Other-state peers near STATIONERY
Two NCUA Call Report peer sets for STATIONERY, 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 ($16.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- STATIONERY ranks #1,228 of 4,374 nationally on financial health and #32 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PATRIOT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PATRIOT
- 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 STATIONERY financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, STATIONERY carries a financial health score of 89/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,228 of 4,374; by total assets it ranks #3,261 of 4,374 nationally (same basis as /rankings/largest); and #63 of 89 within Missouri. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.95% net worth ratio and a 0.72% delinquency rate.
How does STATIONERY compare to other credit unions?
On PlainCU's health composite, STATIONERY lands at 89/100, 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 STATIONERY?
Membership eligibility for STATIONERY depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact STATIONERY directly for current membership requirements and application steps.
Is my money safe at STATIONERY?
Federal credit unions like STATIONERY 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. STATIONERY's net worth ratio of 13.95% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does STATIONERY offer compared to banks?
Credit unions like STATIONERY 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 STATIONERY 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.