TellerScore

Headquartered in Kelso, Missouri, St. Augustine Credit Union is a federally insured state-chartered credit union with $1.5M in total assets and $1.3M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1933.

St. Augustine Credit Union has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,479 credit unions with under $100 million in assets. Among 87 credit unions headquartered in Missouri, it ranks 14th. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (45/100, 0.63%).

TellerScore · Q2 2026

Scorecard

Capital cushion94/100
Net worth ratio: 14.42%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings45/100
Return on assets (annualized): 0.63%
Funding & liquidity72/100
Loans ÷ shares: 88.3% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (82 → 83).

TellerScore
768084Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202477
Q4 202479
Q1 202582
Q2 202582
Q3 202584
Q4 202583
Q1 202682
Q2 202683
Net worth ratio
7.00%10.71%14.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.95%
Q3 202412.21%
Q4 202412.15%
Q1 202513.53%
Q2 202513.97%
Q3 202514.42%
Q4 202514.40%
Q1 202614.22%
Q2 202614.42%
Delinquent loans (60+ days)
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.63%0.79%0.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.88%
Q3 20240.91%
Q4 20240.95%
Q1 20250.92%
Q2 20250.86%
Q3 20250.93%
Q4 20250.93%
Q1 20260.65%
Q2 20260.63%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$1.5M14.42%0.00%0.63%88.3%
Q1 202682$1.5M14.22%0.00%0.65%93.0%
Q4 202583$1.5M14.40%0.00%0.93%100.8%
Q3 202584$1.5M14.42%0.00%0.93%99.2%
Q2 202582$1.5M13.97%0.00%0.86%100.3%
Q1 202582$1.5M13.53%0.00%0.92%94.1%
Q4 202479$1.7M12.15%0.00%0.95%85.0%
Q3 202477$1.6M12.21%0.00%0.91%101.1%
Q2 202476$1.6M11.95%0.00%0.88%98.0%

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 ratio14.42%
51st
Problem loans0.00%
94th
Net charge-offs0.00%
77th
Return on assets0.63%
49th
Loans to deposits88.3%
11th
Uninsured deposits0.0%
81st
Loan-loss reserves0.21%
74th
Texas ratio0.0%
93rd

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
Co - Lib Credit UnionCredit union Saint Louis, MO91 out of 100, Very strong$1.4M15.5%0.82%vs
Northeast Regional Credit UnionCredit union Hannibal, MO76 out of 100, Strong$1.8M13.3%0.00%vs
Wedevelopment Federal Credit UnionCredit union Kansas City, MO25 out of 100, Low$2.4M-11.7%12.47%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

Deposit insurance

Is my money safe at St. Augustine Credit Union?

Yes. St. Augustine Credit Union is a federally insured credit union (NCUA charter #67750). 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 14.42%, 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

St. Augustine Credit Union lists 2 offices in 1 city. Most locations:

  • Scott City, MO (2)

All branch addresses and map

Identity & history

Profile

Legal name
St. Augustine Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67750
RSSD ID
159298
Primary regulator
State + NCUA
Established
1933
Headquarters
PO Box 6, Kelso, MO 63758

Quick answers

St. Augustine Credit Union: common questions

Is St. Augustine Credit Union NCUA insured?

Yes. St. Augustine Credit Union is a federally insured credit union (NCUA charter #67750). 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 St. Augustine Credit Union's TellerScore?

83 out of 100 (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 St. Augustine Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Kelso

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens' Bank of CharlestonBank Charleston, MO86 out of 100, Very strong$185.1M20.5%0.83%vs
A.S.H. Employees Credit UnionCredit union Anna, IL85 out of 100, Very strong$5.6M19.8%0.43%vs
Alliance BankBank Cape Girardeau, MO84 out of 100, Strong$391.3M13.6%0.26%vs
Wood & Huston BankBank Marshall, MO82 out of 100, Strong$1.2B11.6%0.14%vs
The Bank of AdvanceBank Advance, MO81 out of 100, Strong$509.9M13.0%0.75%vs
Anna State BankBank Anna, IL81 out of 100, Strong$111.6M12.5%0.02%vs