TellerScore

Neighbors Credit Union is a federally insured state-chartered credit union headquartered in Saint Louis, Missouri, in business for about 98 years. At the end of Q2 2026 it reported $573.3M in total assets and $503.3M in member shares and deposits, with 6 offices.

Based on its Q2 2026 filing, Neighbors Credit Union scores 66/100, which we describe as moderate. That is higher than only 37% of 1,341 credit unions with $100 million – $1 billion. Among 87 credit unions headquartered in Missouri, it ranks 49th. Its strongest component is problem-loan coverage (83/100; 8.6%), and its lowest is earnings (49/100; 0.72%).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Net worth ratio: 12.37%
Loan quality59/100
Loans 60+ days delinquent ÷ total loans: 1.22%
Earnings49/100
Return on assets (annualized): 0.72%
Funding & liquidity75/100
Loans ÷ shares: 85.2% · 7.0% uninsured
Problem-loan coverage83/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.57%

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 5 points (61 → 66), mostly because the earnings component improved by 16 points.

TellerScore
546167Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202454
Q4 202455
Q1 202560
Q2 202561
Q3 202561
Q4 202561
Q1 202667
Q2 202666
Net worth ratio
7.00%10.15%13.30%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.30%
Q3 202412.89%
Q4 202412.90%
Q1 202512.79%
Q2 202512.49%
Q3 202512.26%
Q4 202512.17%
Q1 202612.38%
Q2 202612.37%
Delinquent loans (60+ days)
1.18%1.60%2.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.93%
Q3 20242.02%
Q4 20242.02%
Q1 20251.76%
Q2 20251.40%
Q3 20251.34%
Q4 20251.22%
Q1 20261.18%
Q2 20261.22%
Return on assets
-0.07%0.32%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.14%
Q3 2024-0.07%
Q4 20240.04%
Q1 20250.46%
Q2 20250.33%
Q3 20250.22%
Q4 20250.25%
Q1 20260.69%
Q2 20260.72%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$573.3M12.37%1.22%0.72%85.2%
Q1 202667$571.9M12.38%1.18%0.69%84.9%
Q4 202561$560.9M12.17%1.22%0.25%88.6%
Q3 202561$566.4M12.26%1.34%0.22%86.5%
Q2 202561$553.6M12.49%1.40%0.33%86.7%
Q1 202560$544.2M12.79%1.76%0.46%86.1%
Q4 202455$532.8M12.90%2.02%0.04%85.3%
Q3 202454$521.3M12.89%2.02%-0.07%82.4%
Q2 202458$518.0M13.30%1.93%0.14%83.9%

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 ratio12.37%
62nd
Problem loans1.22%
21st
Net charge-offs1.06%
8th
Return on assets0.72%
49th
Loans to deposits85.2%
28th
Uninsured deposits7.0%
39th
Loan-loss reserves0.00%
50th
Texas ratio8.6%
18th

Similar-size credit unions in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
West Community Credit UnionCredit union O Fallon, MO52 out of 100, Below average$656.2M8.2%1.40%vs
Infuze Federal Credit UnionCredit union Fort Leonard Wo, MO72 out of 100, Strong$456.9M10.5%0.36%vs
Assemblies of God Credit UnionCredit union Springfield, MO41 out of 100, Below average$450.5M8.8%2.29%vs
St. Louis Community Credit UnionCredit union Saint Louis, MO58 out of 100, Moderate$445.0M15.0%5.79%vs
Alliance Credit UnionCredit union Fenton, MO66 out of 100, Moderate$423.1M11.7%0.69%vs
Blucurrent Credit UnionCredit union Springfield, MO65 out of 100, Moderate$406.1M10.2%0.34%vs

Deposit insurance

Is my money safe at Neighbors Credit Union?

Yes. Neighbors Credit Union is a federally insured credit union (NCUA charter #62905). 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 7.0% of shares and deposits ($35.4M) 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 12.37%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Neighbors Credit Union lists 6 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Neighbors Credit Union reported 800 home-loan applications under HMDA (LEI 549300I67S0IYUQWFJ07): 492 originated ($67,880,000 total), 175 denied, and 133 withdrawn or closed by the applicant. Its denial rate on decided applications was 26.2%, 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
Neighbors Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62905
RSSD ID
831491
Primary regulator
State + NCUA
Established
1928
Headquarters
6300 S Lindbergh Blvd, Saint Louis, MO 63123
Employees
125

Quick answers

Neighbors Credit Union: common questions

Is Neighbors Credit Union NCUA insured?

Yes. Neighbors Credit Union is a federally insured credit union (NCUA charter #62905). 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 Neighbors Credit Union's TellerScore?

66 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 Neighbors Credit Union have?

6 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