State credit union · Saint Louis, Missouri · NCUA charter #62715
TOGETHER
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $2.66B
- Total assets
- 145,653
- Members
- 9.4%
- Net-worth ratio
TOGETHER scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.66B; members 145,653; net-worth ratio 9.36%; health rank #1,858 of 4,374; healthier than 57th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,858 of 4,374 health · 2025Q4TOGETHER · health 86/100 · $2.66B · 2025Q4
Call Report peers
TOGETHER in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
TOGETHER vs every NCUA-scored credit union
TOGETHER sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% 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
Where TOGETHER diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +10.91 pp (94.81% vs 83.90%).
- Largest lag: Net Worth Ratio at 9.36% vs peer 11.18% (-1.82 pp).
Where TOGETHER sits in Missouri
- Missouri health ordinal: #43 of 89.
- Assets rank #2 of 89 inside Missouri ($2.66B reported).
- Membership ranks #2 of 89 among Missouri CUs with a reported count (145,653 members).
- One place up in Missouri, INFUZE (#42) ties at 86/100; one place down, United Consumers (#44) scores 85/100, 1 point lower.
Quarter path for TOGETHER
TOGETHER: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $2.66B (2025Q4) to $2.72B (2026Q1).
- Net-worth ratio shifted -0.20 pp (9.56% → 9.36%).
This credit union's 9.36% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 86/100 score is built
TOGETHER gives up 14 points in total. Return on Assets costs the most, 3.8 of its 15; Net Worth Ratio loses the least, 1.6.
- Net Worth Ratio 28.4 pts
- Delinquency Rate 22.1 pts
- Return on Assets 11.2 pts
- Member Growth 11.8 pts
- Loan-to-Share Ratio 12.5 pts
Call Report ratios for TOGETHER
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.36% | -1.82 pp |
| Delinquency Rate | 0.79% | -0.08 pp |
| Return on Assets | 0.24% | -0.26 pp |
| Member Growth | 2.37% | - |
| Loan-to-Share Ratio | 94.81% | +10.91 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
TOGETHER filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.72B | - |
| 2025Q4 | $2.66B | 145,653 |
| 2024Q4 | $2.53B | 142,281 |
| 2023Q4 | $2.42B | 141,125 |
Credit Union Details
- Charter Number
- 62715
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Missouri
- City
- Saint Louis
- Data Quarter
- 2025Q4
Branch Locations (26)
The NCUA branch filing lists 26 physical offices for TOGETHER, spread across 19 cities in 10 states.
| Office | City |
|---|---|
| 423 Lynch (Main Office) | Saint Louis, MO |
| Jeffco | Arnold, MO |
| Baldwinsville | Baldwinsville, NY |
| Cartersville | Cartersville, GA |
| Cedar Hill | Cedar Hill, TX |
| Columbus | Columbus, OH |
| Fairfield | Fairfield, CA |
| Fenton | Fenton, MO |
| Florissant | Florissant, MO |
| Ft. Collins | Fort Collins, CO |
| Houston | Houston, TX |
| Jacksonville | Jacksonville, FL |
| O'Fallon | O Fallon, MO |
| Orlando | Orlando, FL |
| South County | Saint Louis, MO |
| Barrett Station Road | Saint Louis, MO |
| Tesson Ferry | Saint Louis, MO |
| Creve Coeur | Saint Louis, MO |
| Crestwood | Saint Louis, MO |
| St. Louis Hills | Saint Louis, MO |
| Purina | Saint Louis, MO |
| St. Peters | Saint Peters, MO |
| Shiloh | Shiloh, IL |
| Tampa | Tampa, FL |
| Los Angeles | Van Nuys, CA |
| Williamsburg | Williamsburg, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
A look at other Missouri credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- TOGETHER ranks #1,858 of 4,374 nationally on financial health and #43 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MULTIPLI is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MULTIPLI
Frequently Asked Questions
Is TOGETHER financially healthy?
On its 2025Q4 NCUA 5300 filing, TOGETHER scores 86/100 (Excellent), with a 9.36% net worth ratio and 0.79% of loans delinquent. It ranks #1,858 of 4,374 nationally on health and #43 of 89 in Missouri.
How does TOGETHER compare to other credit unions?
TOGETHER scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (94.81% vs 83.90%). Its widest shortfall is net worth ratio (9.36% vs 11.18%).
How can I join TOGETHER?
Membership eligibility for TOGETHER depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact TOGETHER directly for current membership requirements and application steps.
Is my money safe at TOGETHER?
TOGETHER is a state-chartered credit union; its shares are federally 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. TOGETHER's net worth ratio of 9.36% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.