TellerScore

St. Louis Community Credit Union is a federally insured state-chartered credit union headquartered in Saint Louis, Missouri, in business for about 84 years. At the end of Q2 2026 it reported $445.0M in total assets and $374.7M in member shares and deposits, with 8 offices.

Based on its Q2 2026 filing, St. Louis Community Credit Union scores 58/100, which we describe as moderate. That is higher than only 16% of 1,341 credit unions with $100 million – $1 billion. Among 87 credit unions headquartered in Missouri, it ranks 65th. Its strongest component is capital cushion (100/100; 15.03%), and its lowest is loan quality (0/100; 5.79%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.03%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 5.79%
Earnings31/100
Return on assets (annualized): 0.26%
Funding & liquidity100/100
Loans ÷ shares: 55.2% · 4.5% uninsured
Problem-loan coverage64/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 18.05%

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 15 points (73 → 58), mostly because the loan quality component weakened by 45 points.

TellerScore
586673Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202467
Q4 202469
Q1 202568
Q2 202573
Q3 202564
Q4 202560
Q1 202665
Q2 202658
Net worth ratio
7.00%11.38%15.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.26%
Q3 202415.27%
Q4 202415.76%
Q1 202514.96%
Q2 202515.09%
Q3 202515.37%
Q4 202515.35%
Q1 202615.09%
Q2 202615.03%
Delinquent loans (60+ days)
1.64%3.72%5.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.16%
Q3 20242.36%
Q4 20242.21%
Q1 20251.85%
Q2 20251.64%
Q3 20252.57%
Q4 20254.02%
Q1 20262.53%
Q2 20265.79%
Return on assets
0.05%0.41%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.78%
Q3 20240.56%
Q4 20240.57%
Q1 20250.05%
Q2 20250.43%
Q3 20250.37%
Q4 20250.41%
Q1 20260.49%
Q2 20260.26%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$445.0M15.03%5.79%0.26%55.2%
Q1 202665$442.9M15.09%2.53%0.49%54.5%
Q4 202560$431.8M15.35%4.02%0.41%56.7%
Q3 202564$427.4M15.37%2.57%0.37%56.9%
Q2 202573$433.6M15.09%1.64%0.43%55.4%
Q1 202568$431.5M14.96%1.85%0.05%56.9%
Q4 202469$409.5M15.76%2.21%0.57%60.6%
Q3 202467$418.8M15.27%2.36%0.56%60.3%
Q2 202471$418.3M15.26%2.16%0.78%60.7%

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 ratio15.03%
85th
Problem loans5.79%
0th
Net charge-offs1.68%
2nd
Return on assets0.26%
14th
Loans to deposits55.2%
85th
Uninsured deposits4.5%
65th
Loan-loss reserves0.00%
50th
Texas ratio18.1%
3rd

Similar-size credit unions in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Assemblies of God Credit UnionCredit union Springfield, MO41 out of 100, Below average$450.5M8.8%2.29%vs
Infuze Federal Credit UnionCredit union Fort Leonard Wo, MO72 out of 100, Strong$456.9M10.5%0.36%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
Alltru Federal Credit UnionCredit union Wentzville, MO41 out of 100, Below average$400.6M9.4%2.38%vs
Missouri Electric Cooperatives EmplCredit union Jefferson City, MO82 out of 100, Strong$396.8M11.3%0.13%vs

Deposit insurance

Is my money safe at St. Louis Community Credit Union?

Yes. St. Louis Community Credit Union is a federally insured credit union (NCUA charter #60400). 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 4.5% of shares and deposits ($16.9M) 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 15.03%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

St. Louis Community Credit Union lists 8 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
St. Louis Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60400
RSSD ID
98995
Primary regulator
State + NCUA
Established
1942
Headquarters
3651 Forest Park Ave, Saint Louis, MO 63108
Employees
155

Quick answers

St. Louis Community Credit Union: common questions

Is St. Louis Community Credit Union NCUA insured?

Yes. St. Louis Community Credit Union is a federally insured credit union (NCUA charter #60400). 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. Louis Community Credit Union's TellerScore?

58 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 St. Louis Community Credit Union have?

8 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
State Employees Community Credit UnionCredit union Alton, IL89 out of 100, Very strong$6.7M20.0%0.00%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