# ST. LOUIS COMMUNITY
Saint Louis, MO · NCUA charter 60400 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/st-louis-community-60400

Who the members are: state charter, organized 1942, low-income designated, minority depository institution. 50,924 members of 947,000 potential (5.4% of the field); checking penetration 73% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $442.9M |
| Members | 50,924 (-3.0% YoY) |
| Full-time staff | 151 |
| Net worth | $66.8M |
| Net worth ratio | 15.1% (p89 of band) |
| ROA (annualized) | 0.49% (p34 of band) |
| Total delinquency | 2.53% (p98 of band) |
| Net charge-offs (annualized) | 1.34% (p96 of band) |
| Loans / shares | 54% (p11 of band) |
| Cash / assets | 29.8% |
| Borrowings / assets | 1.02% |
| Net interest margin | 3.68% (p59 of band) |
| Operating expense / assets | 5.69% (p98 of band) |
| Vehicles % of loans | 39% (p62 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 52% |
| Third-party paper % of net worth | 63% (p45 of band) |
| Vehicle delinquency | 3.58% (p99 of band) |
| Vehicle NCO | 3.32% (p97 of band) |
| Repossessed % of vehicle book | 0.11% (p74 of band) |
| Real estate % of loans | 18% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 114% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 8% |
| Average share balance | $3,594 |
| Participations bought / yr | $3.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $29.8M |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $10,886 |
| Loans granted, annualized | $62.5M |

## Participation posture (from the same filings)

Bought $3.0M and sold $0 in the latest annualized quarter; $29.8M outstanding purchased (44.6% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares 1.7% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | expense trap, delinquency 2x band, charge-offs p90, auto monoline |  |
| 2016-06 | 3 |  | delinquency 2x band |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 2 |  | auto monoline |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | charge-offs p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | charge-offs p90 |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | delinquency 2x band |  |
| 2020-03 | 3 | net worth falling | delinquency 2x band |
| 2020-06 | 4 | margin squeeze |  |
| 2020-09 | 4 | delinquency 2x band | net worth falling |
| 2020-12 | 4 |  |  |
| 2021-03 | 3 |  | charge-offs p90 |
| 2021-06 | 2 |  | margin squeeze |
| 2021-09 | 3 | members leaving |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 5 | delinquency rising, charge-offs p90 |  |
| 2022-06 | 4 |  | delinquency rising |
| 2022-09 | 3 |  | members leaving |
| 2022-12 | 5 | 3rd-party paper>100% NW, auto monoline |  |
| 2023-03 | 5 |  |  |
| 2023-06 | 5 | delinquency rising | auto monoline |
| 2023-09 | 4 |  | delinquency rising |
| 2023-12 | 5 | members leaving |  |
| 2024-03 | 4 |  | members leaving |
| 2024-06 | 6 | delinquency rising, members leaving |  |
| 2024-09 | 4 |  | 3rd-party paper>100% NW, members leaving |
| 2024-12 | 4 | members leaving | delinquency rising |
| 2025-03 | 4 |  |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 5 | delinquency rising |  |
| 2026-03 | 4 | net worth falling | members leaving, delinquency rising |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-02-18 [St. Louis Community Credit Union expands community access to business loans through collaboration wi - ssmhealth.com](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOMGQ4NXpWVVNqalgtSmZkSEFscXB2bXRSaVFmMW82WTZLbjBQdFhCSmlLVlR2OHAxTlBQZ0lhQjJleTg5OXl1a3JFdDRxMDl0SnhoaElNQXM1bGl2VUNaZXowUkxIN0RlVUctV0hDR1IxSTdxZk1kVFdxTXdEanNpRDVVTFlhQ3dhUm9hSGgwWXYwU0hjWGFReTVTaDNYamZMOHdrbGkzNHV2Z3JPbDlLQWFnWmFqZTN4djlvSTVIcjdJTVJYQUNDUXlxYzhPMDZOSDRSUg?oc=5) · ssmhealth.com
- 2023-11-03 [Alex Fennoy joins St. Louis Community Credit Union as SVP - St. Louis American](https://news.google.com/rss/articles/CBMiswFBVV95cUxNWnoxZmJaZ3ZsYlFWOE5Ha3NLYTRxSDFWbGxXdEhIeEZUSnZHeTNFZk5EdFc1am5WTHVnYWJseExoNEw1dlJ1Ulc5OGZGMjBZUDgzTEk5X2VlaC1VSmNoMTNiemwtUFZnUlVOQlJ1cnJfSEg3a2pDMnU5UGpzNlJYWmVCWC1xVGlaYmE4a3dpWGFSbkw4NkFhZ0xlbDhob1Nsb0ZmT0lGQmQ4b3JjMmpoRFJVMA?oc=5) · St. Louis American
- 2025-02-18 [St. Louis Community Credit Union and local institutions offer millions in business loans - STLPR](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPOGZzWjZGRjBJdmV4UTJ5dmhGV3c3UWJrRjhxQ2ZJbDNWX3NmU1ppaXhzVFMxZnpxUmlhc1plNm9yaXFsbEQtRWFGbHY2Qjl1Q0tQY0xqam1uNUhseFhaeUpBY0hYN0I3MXEtNGRjUnlTNU53U2JpbDNXRE5fRGNJUktfTHFDc2JGSTAxR3dReXVIaWhIbzI3OG9lb0lkZmtpQXR0djE4RFdBWGU3T0ZaenVWQmF0ZzBFZi1Oby1XbUhQdE9hTklQZUVoMTZDbEY5V0RB?oc=5) · STLPR
- 2025-02-18 [$15M deposit bolsters St. Louis Community Credit Union’s local investment - St. Louis Magazine](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOUnNvd2RXTUV5d0RDc3Y1UW8tbnB3Z3Mxd3E5X1VKZlBMRzFjZlY0NEgxUFRRNl9wOWtoSmlqWF9ld2dPTWNsQzdqYzFNNzZmRW80ZTRndlB0aFQ5VU1sZDhWMlgwS01iRDFTaFNmaWRtR3BoSXdlSWN5RGtjc25hWkZWeGVSeWN2elpR?oc=5) · St. Louis Magazine
- 2024-11-12 [Man caught after 6 years on the run admits robbing St. Louis credit union - FOX 2](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOZDhtOWhGYy1JeDhzQ2JyYnQyNTJ4NU05SGpJVDd6dzJsY2lOMGpOY2FrSldvbEZjYnd3TVFNMTdhdmlHdXRkU0FOZ2lpY0pQdW56d1R3TmwxM0IyZ3phQXY0NDE4QkgxVmlGSXhGaksxSDQyZHBsbWZZVU9XSU5XOGt0M3lQVG5YMUZhci1hS3F2eDc3c2NpS05MTXg1TzRjclJLajFSb0cwcmvSAbABQVVfeXFMTm9QNElRYXl3eVlsbnVIaUl1OHdrcEx4TS1OTGdsQ2VLdUR6NkpGZ3EwUFB2U3ZBQlJOVThrNWFkYTJIV19idWtVTFo1UUJMMmlTU2p4bDZNVlpUb0ROd0hmR1hlM1hMdU9waHVveWdkc2JmRGZHVjFua1JBM3d3ckpnYkNRWUc3VW5scEVERHZIaW9tanQzTEdvYUQtc3lUY3BqOVMyT0dleUZZNTJBNkI?oc=5) · FOX 2
- 2014-04-16 [Sure Rides™ Auto Loan Program - City of St. Louis, MO (.gov)](https://news.google.com/rss/articles/CBMif0FVX3lxTE1HYzNCclZsVUg5Q1NTWnh0RWJTc19kQVp0bmRKdWZ5OVEyV0FMX1l0bW8zODBkeDBlY3NmbU1kUmdmdnlydzFuWkFXbXBtNFE2WWpjclpScmFsMm5rTVdTdFliY1MtQmZlQ0lZSXZUT04xNVB5RXFsYU5ZNTdHSk0?oc=5) · City of St. Louis, MO (.gov)
- 2025-02-26 [Gateway to Equality: Missouri’s first minority-owned bank - KMOV](https://news.google.com/rss/articles/CBMilwFBVV95cUxQY0lBaWpwS2hVVXBmdXFoR3FZY1JYOVBxZEsxY25iaEVFVjF4RW9QeTZLRGcyRUlRZ1c5VFdqVi1ULWVibktEck5WaDNJcnRfSVBTVG8yNHJGei1aeUMtX2hOMnpheFVlMFlDNmJXYXlMcUhVUHVlMVJFQUlOT2FPWXBxdWNwVmJqVkw5NUw1TWtJTjVoRjNZ0gGrAUFVX3lxTE9odXhQLUlBT2Y1Z003Mm41VW1JUTBBNVVFZnVRSHl4ekFKeWhrdU95Z0NXTmVVS1VsbEZmS3ZhNDZReEhrN2lvbVlsdUNyUjBraGQ1YkhmelQ1dnV1OThFZFpaRWY5WXl0WFM1WXd6Y3ZPX01zenE4S0Fvbko4bmdBOTFfWFBXdTVCcGVDVndsOXA5b2hqcWZPY3JmNjZOTTdDdW50MkJKcWNTZw?oc=5) · KMOV
- 2025-08-27 [CommunityAmerica Credit Union branch opens in MSC as part of larger partnership with UMSL - UMSL Blogs](https://news.google.com/rss/articles/CBMiigFBVV95cUxQQmt6UV9fZW1Kckh2dDYwakFSa25vc1VldGlxZ0k4aU43V1BHZTd3ZXNHRFVyQUJkcmxtSEhlQkRjT1JPa2NRZVN5Vk9SdXlZNWNscEt3emMxbkhBR2ZXX0xrRmRvWXZpWjlsU3NURFNaYjBVSm50bzlzMlpQMHUzdVJkYVpKay12Z2c?oc=5) · UMSL Blogs

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60400 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/48.json (key "60400", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=60400
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide