TellerScore

Health Care Family Credit Union (NCUA charter #63249) is based in Saint Louis, Missouri. Its Q2 2026 call report shows $75.2M in total assets and $62.9M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, Health Care Family Credit Union scores 62/100, which we describe as moderate. That is higher than only 24% of 2,479 credit unions with under $100 million in assets. Among 87 credit unions headquartered in Missouri, it ranks 58th. Its strongest component is capital cushion (100/100; 15.80%), and its lowest is loan quality (19/100; 2.42%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.80%
Loan quality19/100
Loans 60+ days delinquent ÷ total loans: 2.42%
Earnings42/100
Return on assets (annualized): 0.54%
Funding & liquidity74/100
Loans ÷ shares: 86.0% · 4.1% uninsured
Problem-loan coverage78/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 11.00%

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 4 points (66 → 62), mostly because the earnings component weakened by 13 points.

TellerScore
627282Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202481
Q4 202478
Q1 202578
Q2 202566
Q3 202566
Q4 202564
Q1 202666
Q2 202662
Net worth ratio
7.00%11.54%16.07%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.41%
Q3 202414.61%
Q4 202414.48%
Q1 202514.70%
Q2 202515.03%
Q3 202515.27%
Q4 202516.07%
Q1 202615.74%
Q2 202615.80%
Delinquent loans (60+ days)
0.26%1.37%2.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.26%
Q3 20240.52%
Q4 20240.71%
Q1 20250.80%
Q2 20252.32%
Q3 20252.29%
Q4 20252.48%
Q1 20262.07%
Q2 20262.42%
Return on assets
0.54%0.74%0.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.75%
Q3 20240.82%
Q4 20240.73%
Q1 20250.72%
Q2 20250.87%
Q3 20250.85%
Q4 20250.95%
Q1 20260.63%
Q2 20260.54%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$75.2M15.80%2.42%0.54%86.0%
Q1 202666$75.0M15.74%2.07%0.63%85.6%
Q4 202564$72.7M16.07%2.48%0.95%89.0%
Q3 202566$75.2M15.27%2.29%0.85%86.0%
Q2 202566$75.4M15.03%2.32%0.87%83.7%
Q1 202578$75.9M14.70%0.80%0.72%81.8%
Q4 202478$76.1M14.48%0.71%0.73%84.6%
Q3 202481$74.8M14.61%0.52%0.82%84.5%
Q2 202482$74.6M14.41%0.26%0.75%83.9%

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 ratio15.80%
59th
Problem loans2.42%
17th
Net charge-offs0.35%
35th
Return on assets0.54%
44th
Loans to deposits86.0%
13th
Uninsured deposits4.1%
27th
Loan-loss reserves0.00%
37th
Texas ratio11.0%
12th

Similar-size credit unions in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Members 1st Credit UnionCredit union Saint Louis, MO71 out of 100, Strong$76.5M9.8%0.24%vs
Foundation Credit UnionCredit union Springfield, MO79 out of 100, Strong$76.6M14.3%0.33%vs
Educational Community Credit UnionCredit union Springfield, MO65 out of 100, Moderate$77.7M9.8%0.86%vs
City Credit UnionCredit union Independence, MO61 out of 100, Moderate$65.5M11.9%1.90%vs
Volt Credit UnionCredit union Springfield, MO56 out of 100, Moderate$85.8M8.4%0.14%vs
Goetz Credit UnionCredit union St Joseph, MO85 out of 100, Very strong$89.6M15.7%0.50%vs

Deposit insurance

Is my money safe at Health Care Family Credit Union?

Yes. Health Care Family Credit Union is a federally insured credit union (NCUA charter #63249). 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 4.1% of shares and deposits ($2.6M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 15.80%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Health Care Family Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Health Care Family Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
63249
RSSD ID
491297
Primary regulator
State + NCUA
Established
1969
Headquarters
2114 S Big Bend Blvd, Saint Louis, MO 63117
Employees
16

Quick answers

Health Care Family Credit Union: common questions

Is Health Care Family Credit Union NCUA insured?

Yes. Health Care Family Credit Union is a federally insured credit union (NCUA charter #63249). 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 Health Care Family Credit Union's TellerScore?

62 out of 100 (Moderate), 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 Health Care Family Credit Union have?

2 offices 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
Co - Lib Credit UnionCredit union Saint Louis, MO91 out of 100, Very strong$1.4M15.5%0.82%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