State credit union · Saint Joseph, Missouri · NCUA charter #67801
Stationery
Health score 65/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $16.6M
- Total assets
- 1,991
- Members
- 2.4%
- Net-worth ratio
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 - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)20
- Asset quality (delinquency)91
- Earnings (ROA)100
- Member growth76
- Liquidity (loan-to-share)63
Weighted composite: 65/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
2.37% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 2.37% | 30% |
| Delinquency Rate | 0.72% | 25% |
| Return on Assets | 1.44% | 15% |
| Member Growth | 2.05% | 15% |
| Loan-to-Share Ratio | 37.63% | 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 | $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
What This Data Says About Stationery
Headquartered in Saint Joseph, Missouri, Stationery is a state credit union with 1,991 members, $16.6M in total assets, and $5.3M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 65/100 (Good), driven in part by a net worth ratio of 2.37% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #67801 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
0.72% 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 tighter than peers. Deposit deployment is captured by the 37.63% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.44% on net income of $239K 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 2.05%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Missouri
Other federally-insured credit unions in Missouri, closest first by peer group and asset size.
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 Stationery financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Stationery carries a financial health score of 65/100 (Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 2.37% 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 65/100, 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 2.37% is relative to 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.
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.