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Credit union, Saint Louis, MO
Together Credit Union
A credit union based in Saint Louis, MO. Its commercial book is led by non-owner-occupied CRE and multifamily. Public files show recent multifamily, 1-4 unit investor, SBA 7(a) and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $178M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 17
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 1
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $2.73B
- NCUA 5300,
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How to reach them
Each line shows where it came from
- Phone
- 314-771-7700 From the NCUA record, June 30, 2026.
- Website
- www.togethercu.orgFrom the NCUA record, November 9, 2026.
- Names it files under
- TOGETHER; Together CUNCUA 5300,
- Address
- 423 Lynch St, Saint Louis, MO 63118-1902NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Together Credit Union originated 12 multifamily loans in 2025, versus 6 in 2024. HMDA,
| When | What the record shows | Source |
|---|---|---|
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 9.4% to $60.8M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 5.5% to $38.9M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Dec 2025 | Missouri | SBA 7(a), Manufacturing | $4.7M | 9.75% | 17 yr | SBA FOIA | |
| 2025 | St. Louis city, MO | Cash-out refinance, 5 to 24 units | $2.5M | 6.38% | 3 yr | 80% | HMDA 2025 |
| 2025 | St. Louis County, MO | Cash-out refinance, 5 to 24 units | $2.2M | 6% | 5 yr | 48% | HMDA 2025 |
| 2025 | St. Louis County, MO | Cash-out refinance, 25 to 49 units | $1.8M | 6.5% | 3 yr | 51% | HMDA 2025 |
| 2025 | Madison County, IL | Purchase, 5 to 24 units | $960K | 6.5% | 5 yr | 72% | HMDA 2025 |
| 2025 | St. Louis County, MO | Cash-out refinance, 5 to 24 units | $900K | 6.5% | 5 yr | 73% | HMDA 2025 |
| 2025 | St. Louis County, MO | Cash-out refinance, 5 to 24 units | $740K | 6.55% | 5 yr | 70% | HMDA 2025 |
| 2025 | St. Louis city, MO | Purchase, 5 to 24 units | $680K | 6.2% | 5 yr | 80% | HMDA 2025 |
| 2025 | St. Louis city, MO | Cash-out refinance, 5 to 24 units | $640K | 6.25% | 5 yr | 58% | HMDA 2025 |
| 2025 | Madison County, IL | Purchase, 5 to 24 units | $620K | 6.8% | 5 yr | 80% | HMDA 2025 |
| 2025 | St. Louis city, MO | Purchase, 5 to 24 units | $520K | 6.75% | 5 yr | 71% | HMDA 2025 |
| 2025 | St. Louis city, MO | Cash-out refinance, 5 to 24 units | $340K | 6.4% | 5 yr | 35% | HMDA 2025 |
| 2025 | St. Louis County, MO | Refinance, 5 to 24 units | $120K | 8.5% | 5 yr | 73% | HMDA 2025 |
| 2024 | St. Louis city, MO | Refinance, 50 to 99 units | $12M | 3.5% | 6.9 yr | 66% | HMDA 2024 |
| 2024 | Madison County, IL | Purchase, 25 to 49 units | $3.8M | 6.75% | 5 yr | 88% | HMDA 2024 |
| 2024 | St. Louis city, MO | Purchase, 5 to 24 units | $1.1M | 7% | 5 yr | 77% | HMDA 2024 |
| 2024 | St. Louis city, MO | Cash-out refinance, 5 to 24 units | $760K | 0% | 5.8 yr | 64% | HMDA 2024 |
| 2024 | St. Louis County, MO | Purchase, 5 to 24 units | $640K | 7% | 5 yr | 62% | HMDA 2024 |
| 2024 | St. Clair County, IL | Purchase, 5 to 24 units | $560K | 6.42% | 7 yr | 77% | HMDA 2024 |
| 12 multifamily loans made in 2025 | $12.1M | HMDA 2025 | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $52.7M | 2.4% | -10.3% | 45 | $1.17M |
| Construction and land development | $10.5M | 0.5% | -17.1% | 10 | $1.05M |
| Owner-occupied CRE | $38.9M | 1.8% | +5.5% | 62 | $627K |
| Non-owner-occupied CRE | $60.8M | 2.8% | +9.4% | 90 | $676K |
| Farmland | $0 | 0.0% | Not reported | 0 | Not reported |
| Commercial and industrial | $15.6M | 0.7% | +16.9% | 121 | $129K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $178M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $156M |
| Q4 2023 | $157M |
| Q1 2024 | $157M |
| Q2 2024 | $157M |
| Q3 2024 | $161M |
| Q4 2024 | $162M |
| Q1 2025 | $172M |
| Q2 2025 | $177M |
| Q3 2025 | $179M |
| Q4 2025 | $184M |
| Q1 2026 | $180M |
| Q2 2026 | $178M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 12 | $12.1M | $710K | $2.5M | HMDA, |
| Multifamily, 5 or more units | 2024 | 6 | $18.4M | $920K | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 69 | $14.0M | $135K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 1 | $4.7M | $4.7M | $4.7M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 1 | $4.7M | SBA FOIA, | ||
| Real-estate-secured commercial | First half of 2026 | 17 | $17.0M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 1 | $470K | NCUA 5300, | ||
| Construction | First half of 2026 | 2 | $2.43M | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 4 | $6.95M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 10 | $7.18M | NCUA 5300, | ||
| C&I | First half of 2026 | 11 | $2.42M | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its NCUA charter number.
| Book | Average loan |
|---|---|
| Construction and land development | $1.05M |
| Multifamily | $1.17M |
| Owner-occupied CRE | $627K |
| Non-owner-occupied CRE | $676K |
| Commercial and industrial | $129K |
Programs on record: Federal Home Loan Bank member, Des Moines district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Missouri HQ | 13 | 10 | 63 | 1 | 0 |
| Illinois | 1 | 2 | 6 | 0 | 0 |
| California | 2 | 0 | 0 | 0 | 0 |
| Colorado | 1 | 0 | 0 | 0 | 0 |
| Florida | 3 | 0 | 0 | 0 | 0 |
| Georgia | 1 | 0 | 0 | 0 | 0 |
| New York | 1 | 0 | 0 | 0 | 0 |
| Ohio | 1 | 0 | 0 | 0 | 0 |
| Texas | 2 | 0 | 0 | 0 | 0 |
| Virginia | 1 | 0 | 0 | 0 | 0 |
| County | Recorded loans | Dollars |
|---|---|---|
| St. Louis city, MO | 8 | $18.1M |
| St. Louis County, MO | 6 | $6.44M |
| Metro | Recorded loans | Dollars |
|---|---|---|
| St. Louis, MO-IL | 18 | $30.5M |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $334M | $180M to $617M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $189M | $30.4M to $707M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 56.5% | 4.9% to 184.1% across 8 peers | Business loans outstanding over the estimated cap. | NCUA 5300, |
| Largest single borrower | $39.6M | $23.3M to $65.1M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 47.0% | 3.0% to 136.5% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 80.5% | 53.1% to 84.8% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| First Community Credit Union | MO | $5.04B | $30.3M |
| Multipli Credit Union | MO | $1.47B | $104M |
| Corning Credit Union | NY | $2.77B | $209M |
| Lake Trust Credit Union | MI | $2.88B | $531M |
| Hawaii State Credit Union | HI | $2.86B | $332M |
| Oregon State Credit Union | OR | $2.78B | $356M |
| Centra Credit Union | IN | $2.38B | $339M |
| Harborstone Credit Union | WA | $3.13B | $673M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Together Credit Union, NCUA charter 62715. Compare it with the regulator's record. [NCUA profile]
- Balances. $2.73B in total assets and $178M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 17 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 88 loans in HMDA and SBA files, through September 30, 2026: 12 HMDA multifamily 2025, 6 HMDA multifamily 2024, 69 HMDA 1-4 unit investor 2025, 1 SBA 7(a) in 36 months. [How each file was tied to Together Credit Union]
- Phone and website. Phone 314-771-7700, from the NCUA record. Website togethercu.org, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- NCUA and state regulator
- NCUA charter
- 62715
- RSSD
- 747097
- LEI
- 549300YDBNK66R6ZES34
- The Lender Report ID
- lr_000673
- Main office county
- Saint Louis City
- Members
- 149,386
- NCUA region
- 3 - Western
NCUA credit union details,
- Reported $2.7B in total assets as of June 30, 2026 (NCUA 5300).
- Held $178.4M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $60.8M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 9.4% from a year earlier (NCUA 5300).
- Held $52.7M of multifamily loans as of June 30, 2026 (NCUA 5300).
- Held $38.9M of owner-occupied commercial real estate loans as of June 30, 2026, up 5.5% from a year earlier (NCUA 5300).
- Originated 12 multifamily loans totaling $12.1M in 2025 (HMDA).
6 more sentences
- Originated 6 multifamily loans totaling $18.4M in 2024 (HMDA).
- Originated 69 1-4 unit investor or business-purpose loans totaling $14M in 2025 (HMDA).
- Recorded 1 SBA 7(a) approval totaling $4.7M from October 1, 2023 to September 30, 2026 (SBA).
- Originated 17 real-estate-secured commercial loans totaling $17M in the first half of 2026 (NCUA 5300).
- Held $138K of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 26 offices in 10 states (NCUA).
Cite this
Source: The Lender Report, Together Credit Union, https://lender.report/lender/together-credit-union-mo/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Work at Together Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem