St. Joseph Teachers' Credit Union is a federally insured state-chartered credit union headquartered in Saint Joseph, Missouri, in business for about 95 years. At the end of Q2 2026 it reported $8.7M in total assets and $8.0M in member shares and deposits, with 1 office.
Based on its Q2 2026 filing, St. Joseph Teachers' Credit Union scores 78/100, which we describe as strong. That is higher than 59% of 2,479 credit unions with under $100 million in assets. Among 87 credit unions headquartered in Missouri, it ranks 23rd. Its strongest component is funding & liquidity (100/100; 35% loans-to-deposits, 0% uninsured), and its lowest is capital cushion (59/100; 10.90%).
TellerScore · Q2 2026
Scorecard
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 (78 → 78).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 71 |
| Q4 2024 | 74 |
| Q1 2025 | 74 |
| Q2 2025 | 78 |
| Q3 2025 | 77 |
| Q4 2025 | 66 |
| Q1 2026 | 79 |
| Q2 2026 | 78 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.95% |
| Q3 2024 | 9.39% |
| Q4 2024 | 9.78% |
| Q1 2025 | 9.73% |
| Q2 2025 | 10.00% |
| Q3 2025 | 10.39% |
| Q4 2025 | 10.49% |
| Q1 2026 | 10.69% |
| Q2 2026 | 10.90% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.47% |
| Q3 2024 | 0.20% |
| Q4 2024 | 0.13% |
| Q1 2025 | 0.27% |
| Q2 2025 | 0.07% |
| Q3 2025 | 0.26% |
| Q4 2025 | 1.41% |
| Q1 2026 | 0.19% |
| Q2 2026 | 0.29% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.49% |
| Q3 2024 | 0.71% |
| Q4 2024 | 0.89% |
| Q1 2025 | 1.10% |
| Q2 2025 | 1.21% |
| Q3 2025 | 1.15% |
| Q4 2025 | 0.97% |
| Q1 2026 | 1.16% |
| Q2 2026 | 1.11% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $8.7M | 10.90% | 0.29% | 1.11% | 34.5% |
| Q1 2026 | 79 | $8.7M | 10.69% | 0.19% | 1.16% | 35.5% |
| Q4 2025 | 66 | $8.7M | 10.49% | 1.41% | 0.97% | 37.9% |
| Q3 2025 | 77 | $8.7M | 10.39% | 0.26% | 1.15% | 39.8% |
| Q2 2025 | 78 | $8.8M | 10.00% | 0.07% | 1.21% | 39.9% |
| Q1 2025 | 74 | $8.8M | 9.73% | 0.27% | 1.10% | 40.6% |
| Q4 2024 | 74 | $8.5M | 9.78% | 0.13% | 0.89% | 43.6% |
| Q3 2024 | 71 | $8.5M | 9.39% | 0.20% | 0.71% | 44.8% |
| Q2 2024 | 65 | $8.7M | 8.95% | 0.47% | 0.49% | 44.3% |
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).
Similar-size credit unions in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Community First Credit UnionCredit union Hannibal, MO | 65 out of 100, Moderate | $8.5M | 11.5% | 0.26% | vs |
| Kc Unidos Federal Credit UnionCredit union Kansas City, MO | 74 out of 100, Strong | $8.5M | 29.2% | 0.65% | vs |
| South Central Missouri Credit UnionCredit union Willow Springs, MO | 71 out of 100, Strong | $9.2M | 15.8% | 1.66% | vs |
| Lovers Lane Credit UnionCredit union Saint Joseph, MO | 50 out of 100, Below average | $7.8M | 13.8% | 2.78% | vs |
| Fedco Credit UnionCredit union Jefferson City, MO | 73 out of 100, Strong | $7.1M | 10.9% | 0.00% | vs |
| Missouri Baptist Credit UnionCredit union Jefferson City, MO | 35 out of 100, Low | $10.4M | 7.2% | 2.54% | vs |
Deposit insurance
Is my money safe at St. Joseph Teachers' Credit Union?
Yes. St. Joseph Teachers' Credit Union is a federally insured credit union (NCUA charter #67708). 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 10.90%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
St. Joseph Teachers' Credit Union lists 1 office in 1 city. Most locations:
- Saint Joseph, MO (1)
Identity & history
Profile
- Legal name
- St. Joseph Teachers' Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 67708
- RSSD ID
- 668893
- Primary regulator
- State + NCUA
- Established
- 1931
- Headquarters
- 2316 Village Drive, Saint Joseph, MO 64506
- Employees
- 4
Quick answers
St. Joseph Teachers' Credit Union: common questions
Is St. Joseph Teachers' Credit Union NCUA insured?
Yes. St. Joseph Teachers' Credit Union is a federally insured credit union (NCUA charter #67708). 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. Joseph Teachers' Credit Union's TellerScore?
78 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. Joseph Teachers' Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Saint Joseph
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| District One Highway Credit UnionCredit union Saint Joseph, MO | 94 out of 100, Very strong | $30.5M | 18.8% | 0.00% | vs |
| Exchange Bank & TrustBank Atchison, KS | 88 out of 100, Very strong | $626.8M | 13.0% | 0.23% | vs |
| The Nodaway Valley BankBank Maryville, MO | 87 out of 100, Very strong | $1.6B | 11.6% | 0.00% | vs |
| Goetz Credit UnionCredit union St Joseph, MO | 85 out of 100, Very strong | $89.6M | 15.7% | 0.50% | vs |
| HNB National BankBank Hannibal, MO | 81 out of 100, Strong | $1.3B | 9.7% | 0.06% | vs |
| Connections BankBank Platte City, MO | 78 out of 100, Strong | $516.6M | 9.8% | 0.00% | vs |