TellerScore

Co - Lib Credit Union is a federally insured state-chartered credit union headquartered in Saint Louis, Missouri, in business for about 71 years. At the end of Q2 2026 it reported $1.4M in total assets and $1.2M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Co - Lib Credit Union scores 91/100, which we describe as very strong. That is higher than 90% of 2,479 credit unions with under $100 million in assets. Among 87 credit unions headquartered in Missouri, it ranks 4th. Its strongest component is capital cushion (100/100; 15.46%), and its lowest is loan quality (73/100; 0.82%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.46%
Loan quality73/100
Loans 60+ days delinquent ÷ total loans: 0.82%
Earnings100/100
Return on assets (annualized): 4.01%
Funding & liquidity90/100
Loans ÷ shares: 70.1% · 0.0% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.19%

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 rose 3 points (88 → 91), mostly because the loan quality component improved by 7 points.

TellerScore
648095Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202495
Q3 202485
Q4 202464
Q1 202586
Q2 202588
Q3 202582
Q4 202579
Q1 202690
Q2 202691
Net worth ratio
7.00%11.23%15.46%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.99%
Q3 202414.19%
Q4 202414.10%
Q1 202514.10%
Q2 202515.32%
Q3 202514.74%
Q4 202514.57%
Q1 202614.96%
Q2 202615.46%
Delinquent loans (60+ days)
0.00%2.18%4.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20241.14%
Q4 20244.36%
Q1 20251.25%
Q2 20251.02%
Q3 20250.84%
Q4 20250.84%
Q1 20260.83%
Q2 20260.82%
Return on assets
0.91%2.81%4.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.62%
Q3 20242.16%
Q4 20241.59%
Q1 20252.08%
Q2 20252.01%
Q3 20251.27%
Q4 20250.91%
Q1 20264.70%
Q2 20264.01%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202691$1.4M15.46%0.82%4.01%70.1%
Q1 202690$1.3M14.96%0.83%4.70%74.3%
Q4 202579$1.3M14.57%0.84%0.91%80.9%
Q3 202582$1.3M14.74%0.84%1.27%84.4%
Q2 202588$1.2M15.32%1.02%2.01%76.9%
Q1 202586$1.3M14.10%1.25%2.08%61.3%
Q4 202464$1.2M14.10%4.36%1.59%69.3%
Q3 202485$1.2M14.19%1.14%2.16%71.6%
Q2 202495$1.2M13.99%0.00%2.62%75.2%

2,479 peers · Under $100 million in assets

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 ratio15.46%
57th
Problem loans0.82%
46th
Net charge-offs-0.22%
96th
Return on assets4.01%
99th
Loans to deposits70.1%
33rd
Uninsured deposits0.0%
81st
Loan-loss reserves-0.52%
0th
Texas ratio3.2%
41st

Similar-size credit unions in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Bothwell Hospital Employees Credit UnionCredit union Sedalia, MO13 out of 100, Low$1.5M3.5%5.23%vs
St. Augustine Credit UnionCredit union Kelso, MO83 out of 100, Strong$1.5M14.4%0.00%vs
Northeast Regional Credit UnionCredit union Hannibal, MO76 out of 100, Strong$1.8M13.3%0.00%vs
African Diaspora Federal Credit UnionCredit union Saint Ann, MO50 out of 100, Below average$547K-2.3%0.00%vs
West Side Baptist Church Federal Credit UnionCredit union Saint Louis, MO89 out of 100, Very strong$399K14.3%0.00%vs
Wedevelopment Federal Credit UnionCredit union Kansas City, MO25 out of 100, Low$2.4M-11.7%12.47%vs

Deposit insurance

Is my money safe at Co - Lib Credit Union?

Yes. Co - Lib Credit Union is a federally insured credit union (NCUA charter #64723). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 15.46%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Co - Lib Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Co - Lib Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64723
RSSD ID
849290
Primary regulator
State + NCUA
Established
1955
Headquarters
1640 S Lindbergh Blvd, Saint Louis, MO 63131
Employees
1

Quick answers

Co - Lib Credit Union: common questions

Is Co - Lib Credit Union NCUA insured?

Yes. Co - Lib Credit Union is a federally insured credit union (NCUA charter #64723). 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 Co - Lib Credit Union's TellerScore?

91 out of 100 (Very strong), 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 Co - Lib Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Saint Louis

InstitutionScoreAssetsCapitalProblem loansCompare
Edward Jones Trust CompanyBank Saint Louis, MO94 out of 100, Very strong$160.5M98.2%0.00%vs
Lindell Bank & Trust CompanyBank St. Louis, MO92 out of 100, Very strong$915.2M18.0%0.58%vs
Division #6 Highway Credit UnionCredit union Chesterfield, MO88 out of 100, Very strong$15.7M17.9%0.24%vs
Century Credit UnionCredit union Saint Louis, MO87 out of 100, Very strong$182.0M17.6%0.37%vs
Jm Associates Federal Credit UnionCredit union Jacksonville, FL87 out of 100, Very strong$151.2M15.5%0.71%vs
First State Bank of St. Charles, MissouriBank St. Charles, MO85 out of 100, Very strong$535.2M15.6%0.40%vs