TellerScore

Together Credit Union (NCUA charter #62715) is based in Saint Louis, Missouri. Its Q2 2026 call report shows $2.7B in total assets and $2.3B in member shares and deposits and 19 offices across 8 states.

Together Credit Union has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 36% of its 454 credit unions with $1 billion – $10 billion. Among 87 credit unions headquartered in Missouri, it ranks 55th. Problem-loan coverage contributes the most (91/100, 4.6%); capital cushion contributes the least (47/100, 9.66%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Net worth ratio: 9.66%
Loan quality82/100
Loans 60+ days delinquent ÷ total loans: 0.54%
Earnings52/100
Return on assets (annualized): 0.81%
Funding & liquidity67/100
Loans ÷ shares: 93.6% · 7.7% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.62%

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 (59 → 64), mostly because the earnings component improved by 18 points.

TellerScore
586164Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202459
Q4 202458
Q1 202558
Q2 202559
Q3 202560
Q4 202559
Q1 202658
Q2 202664
Net worth ratio
7.00%8.33%9.66%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.12%
Q3 20249.21%
Q4 20249.57%
Q1 20259.29%
Q2 20259.25%
Q3 20259.52%
Q4 20259.56%
Q1 20269.36%
Q2 20269.66%
Delinquent loans (60+ days)
0.54%0.67%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.60%
Q3 20240.62%
Q4 20240.72%
Q1 20250.59%
Q2 20250.66%
Q3 20250.67%
Q4 20250.79%
Q1 20260.67%
Q2 20260.54%
Return on assets
0.16%0.48%0.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.34%
Q3 20240.38%
Q4 20240.26%
Q1 20250.16%
Q2 20250.35%
Q3 20250.49%
Q4 20250.54%
Q1 20260.28%
Q2 20260.81%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$2.7B9.66%0.54%0.81%93.6%
Q1 202658$2.7B9.36%0.67%0.28%92.1%
Q4 202559$2.7B9.56%0.79%0.54%94.8%
Q3 202560$2.6B9.52%0.67%0.49%94.4%
Q2 202559$2.7B9.25%0.66%0.35%90.2%
Q1 202558$2.6B9.29%0.59%0.16%89.5%
Q4 202458$2.5B9.57%0.72%0.26%91.7%
Q3 202459$2.7B9.21%0.62%0.38%91.2%
Q2 202458$2.6B9.12%0.60%0.34%90.7%

454 peers · $1 billion – $10 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 ratio9.66%
22nd
Problem loans0.54%
66th
Net charge-offs0.79%
24th
Return on assets0.81%
51st
Loans to deposits93.6%
32nd
Uninsured deposits7.7%
66th
Loan-loss reserves0.00%
50th
Texas ratio4.6%
52nd

Similar-size credit unions in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Multipli Federal Credit UnionCredit union Jefferson City, MO76 out of 100, Strong$1.5B10.6%0.31%vs
Vantage Credit UnionCredit union Saint Charles, MO57 out of 100, Moderate$1.2B8.0%0.59%vs
First Community Credit UnionCredit union Chesterfield, MO65 out of 100, Moderate$5.0B8.6%0.54%vs

Deposit insurance

Is my money safe at Together Credit Union?

Yes. Together Credit Union is a federally insured credit union (NCUA charter #62715). 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 7.7% of shares and deposits ($180.7M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 9.66%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

19 locations

Branches

Together Credit Union lists 19 offices in 15 cities across 8 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Together Credit Union reported 2,231 home-loan applications under HMDA (LEI 549300YDBNK66R6ZES34): 1,508 originated ($320,050,000 total), 371 denied, and 314 withdrawn or closed by the applicant. Its denial rate on decided applications was 19.4%, 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
Together Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62715
RSSD ID
747097
Primary regulator
State + NCUA
Established
1939
Headquarters
423 Lynch St, Saint Louis, MO 63118
Employees
429

Quick answers

Together Credit Union: common questions

Is Together Credit Union NCUA insured?

Yes. Together Credit Union is a federally insured credit union (NCUA charter #62715). 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 Together Credit Union's TellerScore?

64 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 Together Credit Union have?

19 offices as of the latest NCUA data, in 8 states.