TellerScore

Alltru Federal Credit Union (NCUA charter #24774) is based in Wentzville, Missouri. Its Q2 2026 call report shows $400.6M in total assets and $361.9M in member shares and deposits and 4 offices.

Based on its Q2 2026 filing, Alltru Federal Credit Union scores 41/100, which we describe as below average. That is higher than only 2% of 1,341 credit unions with $100 million – $1 billion. Among 87 credit unions headquartered in Missouri, it ranks 83rd. Its strongest component is funding & liquidity (71/100; 90% loans-to-deposits, 4% uninsured), and its lowest is loan quality (21/100; 2.38%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Net worth ratio: 9.43%
Loan quality21/100
Loans 60+ days delinquent ÷ total loans: 2.38%
Earnings28/100
Return on assets (annualized): 0.20%
Funding & liquidity71/100
Loans ÷ shares: 89.7% · 4.2% uninsured
Problem-loan coverage59/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 20.72%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 8 points (49 → 41), mostly because the loan quality component weakened by 32 points.

TellerScore
384857Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202455
Q3 202450
Q4 202449
Q1 202550
Q2 202549
Q3 202557
Q4 202552
Q1 202638
Q2 202641
Net worth ratio
7.00%8.38%9.75%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.67%
Q3 20249.42%
Q4 20249.41%
Q1 20259.31%
Q2 20259.10%
Q3 20259.75%
Q4 20259.52%
Q1 20269.23%
Q2 20269.43%
Delinquent loans (60+ days)
1.06%1.72%2.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.06%
Q3 20241.32%
Q4 20241.53%
Q1 20251.28%
Q2 20251.40%
Q3 20251.63%
Q4 20251.91%
Q1 20262.27%
Q2 20262.38%
Return on assets
-0.15%0.53%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.36%
Q3 20240.23%
Q4 20240.30%
Q1 20250.09%
Q2 20250.12%
Q3 20251.21%
Q4 20251.01%
Q1 2026-0.15%
Q2 20260.20%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202641$400.6M9.43%2.38%0.20%89.7%
Q1 202638$403.1M9.23%2.27%-0.15%87.1%
Q4 202552$392.5M9.52%1.91%1.01%89.2%
Q3 202557$382.8M9.75%1.63%1.21%91.3%
Q2 202549$374.6M9.10%1.40%0.12%90.0%
Q1 202550$364.3M9.31%1.28%0.09%91.9%
Q4 202449$359.5M9.41%1.53%0.30%96.7%
Q3 202450$359.5M9.42%1.32%0.23%98.3%
Q2 202455$350.2M9.67%1.06%0.36%96.8%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.43%
19th
Problem loans2.38%
4th
Net charge-offs1.72%
2nd
Return on assets0.20%
11th
Loans to deposits89.7%
18th
Uninsured deposits4.2%
69th
Loan-loss reserves0.00%
50th
Texas ratio20.7%
2nd

Similar-size credit unions in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Missouri Electric Cooperatives EmplCredit union Jefferson City, MO82 out of 100, Strong$396.8M11.3%0.13%vs
Blucurrent Credit UnionCredit union Springfield, MO65 out of 100, Moderate$406.1M10.2%0.34%vs
Arsenal Credit UnionCredit union Arnold, MO55 out of 100, Moderate$387.5M8.8%1.10%vs
Alliance Credit UnionCredit union Fenton, MO66 out of 100, Moderate$423.1M11.7%0.69%vs
St. Louis Community Credit UnionCredit union Saint Louis, MO58 out of 100, Moderate$445.0M15.0%5.79%vs
Assemblies of God Credit UnionCredit union Springfield, MO41 out of 100, Below average$450.5M8.8%2.29%vs

Deposit insurance

Is my money safe at Alltru Federal Credit Union?

Yes. Alltru Federal Credit Union is a federally insured credit union (NCUA charter #24774). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 4.2% of shares and deposits ($15.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.43%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Alltru Federal Credit Union lists 4 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Alltru Federal Credit Union reported 166 home-loan applications under HMDA (LEI 5493003TK1BAOHHL6S92): 75 originated ($10,995,000 total), 32 denied, and 59 withdrawn or closed by the applicant. Its denial rate on decided applications was 29.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Alltru Federal Credit Union
Type
Federal credit union
NCUA charter #
24774
RSSD ID
447294
Primary regulator
NCUA
Established
1968
Headquarters
1232 Wentzville Pkwy, Wentzville, MO 63385
Employees
132

Quick answers

Alltru Federal Credit Union: common questions

Is Alltru Federal Credit Union NCUA insured?

Yes. Alltru Federal Credit Union is a federally insured credit union (NCUA charter #24774). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Alltru Federal Credit Union's TellerScore?

41 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Alltru Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Wentzville

InstitutionScoreAssetsCapitalProblem loansCompare
Lindell Bank & Trust CompanyBank St. Louis, MO92 out of 100, Very strong$915.2M18.0%0.58%vs
Bank of KampsvilleBank Kampsville, IL91 out of 100, Very strong$134.1M17.4%0.01%vs
The Missouri BankBank Warrenton, MO88 out of 100, Very strong$461.5M12.6%0.13%vs
United Credit UnionCredit union Mexico, MO88 out of 100, Very strong$302.1M15.2%0.40%vs
Division #6 Highway Credit UnionCredit union Chesterfield, MO88 out of 100, Very strong$15.7M17.9%0.24%vs
Jm Associates Federal Credit UnionCredit union Jacksonville, FL87 out of 100, Very strong$151.2M15.5%0.71%vs