# TOGETHER
Saint Louis, MO · NCUA charter 62715 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/together-62715

Who the members are: state charter, organized 1939. 147,485 members of 2,500,000 potential (5.9% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 137.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.72B |
| Members | 147,485 (3.0% YoY) |
| Full-time staff | 425 |
| Net worth | $254.7M |
| Net worth ratio | 9.4% (p20 of band) |
| ROA (annualized) | 0.28% (p14 of band) |
| Total delinquency | 0.67% (p56 of band) |
| Net charge-offs (annualized) | 0.67% (p65 of band) |
| Loans / shares | 92% (p69 of band) |
| Cash / assets | 6.9% |
| Borrowings / assets | 3.98% |
| Net interest margin | 3.42% (p57 of band) |
| Operating expense / assets | 3.54% (p67 of band) |
| Vehicles % of loans | 39% (p76 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 71% |
| Third-party paper % of net worth | 250% (p76 of band) |
| Vehicle delinquency | 0.67% (p57 of band) |
| Vehicle NCO | 0.96% (p50 of band) |
| Repossessed % of vehicle book | 0.03% (p32 of band) |
| Real estate % of loans | 42% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 71% |
| Core shares % of member funds | 40% |
| Certificates % of member funds | 25% |
| Average share balance | $7,308 |
| Participations bought / yr | $36.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $46.2M |
| Loans outstanding per 100 members | 137% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $10,673 |
| Loans granted, annualized | $716.7M |

## Participation posture (from the same filings)

Bought $36.0M and sold $0 in the latest annualized quarter; $46.2M outstanding purchased (18.1% of net worth), $7.1M sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares 4.9% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | loans>95% of shares |  |
| 2017-03 | 1 |  | loans>95% of shares |
| 2017-06 | 3 | charge-offs p90, loans>95% of shares |  |
| 2017-09 | 2 |  | charge-offs p90 |
| 2017-12 | 3 | losing money |  |
| 2018-03 | 2 | net worth falling | loans>95% of shares, losing money |
| 2018-06 | 2 | loans>95% of shares | net worth falling |
| 2018-09 | 3 | charge-offs p90 |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 | delinquency 2x band | loans>95% of shares, charge-offs p90 |
| 2019-06 | 2 | loans>95% of shares | delinquency 2x band |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | losing money | loans>95% of shares |
| 2020-06 | 3 | net worth falling, margin squeeze | losing money |
| 2020-09 | 2 | charge-offs p90 | net worth falling, margin squeeze |
| 2020-12 | 1 |  | charge-offs p90 |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | charge-offs p90 |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 | delinquency 2x band | charge-offs p90 |
| 2022-06 | 2 | net worth falling | delinquency 2x band |
| 2022-09 | 1 |  | net worth falling |
| 2022-12 | 2 | leaning on borrowings |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | loans>95% of shares |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 | delinquency rising | loans>95% of shares |
| 2024-06 | 2 |  | delinquency rising |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 | net worth falling | leaning on borrowings |
| 2025-09 | 1 |  | net worth falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2025-11-19 [Press Release: Together Credit Union Members Receive Critical Aid during Government Shutdown - The Missouri Times -](https://news.google.com/rss/articles/CBMivgFBVV95cUxNTlhJRk9OZnN5OXY0bWRKenM5Q3NrdTVRQUltWWJuejFPc2M3UHZEN3g1TW1adHhjUU1LeEJad1hNVm5aOWhrUzlKa0hROUh4NzdSd3QzT0tnanV5MGF0ZjU0ZmpaemxKRFU2c0E0UkZIM1lqQk42dElKcjZuek9XbXAwTFNucU1vd2VQeGd1cjNyQ0djb0FEWWw4T1FITGpZVVRJWFRqbjl5ZjNYNzA1RXdSNjF5V3ZmRVR3N2lB?oc=5) · The Missouri Times -
- 2025-11-17 [Two Missouri Credit Unions unite in strategic merger for a stronger future - CUInsight](https://news.google.com/rss/articles/CBMitgFBVV95cUxPbHpUcVN5R3NpbXBrS1JreWJCWXFSX3E0SWVHWktZUURPc3RLRHc4Zk5lbTRYUk9LeG80cUctRF9wcUxvckxTVGhLUW43ZnR5aXBaenVOMGR2OHdmLVdKZUo4WDJnTWhDeVNBSVdoUmlTcWE5YzZlRUsxc0hkbVFqeGp0Wk0wS2FRSkk1MmlWdHRVOWhhREVYazJkWE41WjE3YkhMZHF3N3RibGlxb1l4UUlDZkRnUQ?oc=5) · CUInsight
- 2025-03-20 [Sponsored: St. Louis Zoo partners with Together Credit Union to create new beneficial Visa Debit Card - KSDK](https://news.google.com/rss/articles/CBMijwJBVV95cUxQSVRiVjhET0E1NmxMODBlS2lOaEYxUElVejMzaHp4SnVwcmlIbzNmdW9ianduN3F6VkZhem5yNTZLdUJZaFBDYmVTUE9KNTF3MjJQbE5FdEwzUHJuTnk5QkVRdnhMbURQSG9jc3ItQVk0b3oxUnFfTEM3eDFUQUc2SGVnRWI5X2dzV2ZSQ21MY3pfc2lUaHg0bGx6SDgxYVV4ZTVoUTBUSGx5MHNhNUt6LTdPMjg0dHFVODRNLVNJQXZMTTBFSDhYT3FKLVUwdndKSjBTSnFQbHU4TkZaVGhuQnBKZEQ1LXNveWRUUHlLaGR5dGhVWFdfWFdyZEZTTXBDbTFkdHNNU00wemhyY0ZJ?oc=5) · KSDK
- 2023-11-03 [Together Credit Union welcomes Nikia Montgomery as DEI ambassador - St. Louis American](https://news.google.com/rss/articles/CBMivwFBVV95cUxNbE9tN2lVMXFqUkVPN3ZqVTNmUnJqamo0NHB0WFZGX0p4QzgwdVF1S2p2RDZZYTZiLWg4ZHJxQ1ZHbXdnclVUWWZHZWc0QVItY1NvNk4wUkd3cUpBaFFiSk1Xc0NLUDF0VFRiY3hLSkd2ZGJGS19rZnJqZEo1V0cwbkl6MGFCOVVPT3Z4UXJCZ3VKb0pVVUUxaXhGUUUwOFRVNEl2TmtSYzBQUExnaHB6Y0VodFFJZms1T2cxdzl6RQ?oc=5) · St. Louis American
- 2022-05-04 [St. Louis-area credit union begins construction of St. Charles County branch as it mulls future growth - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxQVUtjZ0dXd1RqRlQwWWh3Y2VMOG5fN2h4alYtbGlNOUdUbndQVFdiX25qcUh6NVF6TWJsektlZ3M3YmlHYnBSU3IwbjREbUtuT2JNX3AtRFdsWS1ZSW1uX3RVR3NSM0xIemE4c0xyVTRBTmF3TU5mZEpJT1ZjaXJLcnIyZ3lKZHZ3Yl9nbEduRUhIdVF6T1JHQzBMaGpxRTlfZlE?oc=5) · The Business Journals
- 2025-06-13 [5 high school seniors awarded college scholarships for the 2025-26 school year - CUInsight](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOSW9sSVQtUWtDRjVzaktkcTJneUphdmlRenhWLXRWT2VjMlVfcW1BX3ZkZ25yLVN1NjIyUEdSUDFGdi1QWldBTjlrZzZhN2RIWEhiT1pYWlhWOW9uMGlRc29QZWptM01DREhxaHNYaFpKUmFEYjhwcnp2M0ZaUjN3aTFvRkE2WkhiNHN1VWptZGlTUmVGSk1BYU5MMV84cVZNV0VSaURUdWxBTTQzTVZ3bHNqdkp0aW9qem5j?oc=5) · CUInsight
- 2024-07-23 [Stephens, McKenzie Paige - Kutis Funeral Home Inc](https://news.google.com/rss/articles/CBMiY0FVX3lxTE1OaG03VXYwQlZybjN6V0s5dzVrR2FZLTNWMVIteWhqWFR6ekItMGdRSlQ0N3A5VlF3RXF4VWRiWDNMUkFyamVhNzFLSnZwdzRaLVl4OXFnTEMtc3BsVzhjcUtmZw?oc=5) · Kutis Funeral Home Inc
- 2026-02-01 [St. Louis Business 500: Banking and Finance - St. Louis Magazine](https://news.google.com/rss/articles/CBMif0FVX3lxTE1Dai0xcElQT1hSSVl6MW1uUjFJclU4OUZEZThlUXFMZ2FwSDJaTEFOdGFteDZxQW84X0FQb3NRNzhIWWZiaXpBTE90VlYwdjhiTWFGWHZMLWY0QU53cnJyd3dfQS1meE55TkRpaDc0Q0xLbDNtZ0hOUGhjdkw4QjQ?oc=5) · St. Louis Magazine

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62715 (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/59.json (key "62715", 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=62715
- 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