State credit union · De Soto, Missouri · NCUA charter #63507
De Soto Mo Pac
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $27.9M
- Total assets
- 1,742
- Members
- 9.7%
- Net-worth ratio
De Soto Mo Pac scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $27.9M; members 1,742; net-worth ratio 9.74%; health rank #209 of 4,374; healthier than 95th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#209 of 4,374 health · 2025Q4De Soto Mo Pac · health 97/100 · $27.9M · 2025Q4
- MEM 97/100
- RANK 9.7%
- PHOTO 0.76%
- BOOK 0.58%
- CHARTER $27.9M
- NCUSIF 1,742
- CAMELS #209/4,374
- HEALTH Your Hometown
- NW 63507
Call Report peers
De Soto Mo Pac in the assets neighbourhood
De Soto Mo Pac's $27.9M assets sit next to Your Hometown ($27.9M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
De Soto Mo Pac vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
97 Top 5% higher than 95% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
De Soto Mo Pac - Share Insurance Coverage
Charter #63507's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where De Soto Mo Pac diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 79.69% here, 59.80% peer average (+19.89 pp).
- Widest shortfall vs peers is Net Worth Ratio: -5.12 pp (9.74% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Missouri standing for De Soto Mo Pac
- In Missouri, health place is #8 of 89 on the same NCUA-ratio sort used nationally.
- Missouri assets place: #52 of 89.
- Missouri membership ordinal: #65 of 89.
In-state ordinals use the live credit_unions table for MO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
De Soto Mo Pac Call Report trajectory
De Soto Mo Pac: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +7.6% from $27.9M (2025Q4) to $30.1M (2026Q1).
- Net-worth ratio shifted -0.59 pp (10.33% → 9.74%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.74% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 97/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- Net Worth Ratio 29.4 pts
- Delinquency Rate 22.4 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.74% | -5.12 pp |
| Delinquency Rate | 0.76% | -0.38 pp |
| Return on Assets | 0.58% | -0.13 pp |
| Member Growth | 5.45% | - |
| Loan-to-Share Ratio | 79.69% | +19.89 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - De Soto Mo Pac
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $30.1M | - |
| 2025Q4 | $27.9M | 1,742 |
| 2024Q4 | $23.4M | 1,652 |
| 2023Q4 | $20.7M | 1,594 |
Credit Union Details
- Charter Number
- 63507
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Missouri
- City
- De Soto
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, De Soto Mo Pac runs one office.
| Office | City |
|---|---|
| Main Office (Main Office) | De Soto, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
A look at other Missouri credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near De Soto Mo Pac
De Soto Mo Pac's nationwide photo peers by assets and by health score, excluding Missouri charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($27.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
Using this data
- De Soto Mo Pac ranks #209 of 4,374 nationally on financial health and #8 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Highway Alliance is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Highway Alliance
- Rates and health both vary by institution, not just by state -- see how Missouri credit unions compare overall before assuming this one is typical. Missouri state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is De Soto Mo Pac financially healthy?
De Soto Mo Pac has a financial health score of 97/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #209 of 4,374; by total assets it ranks #2,908 of 4,374 nationally (same basis as /rankings/largest); and #52 of 89 within Missouri. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.74% and delinquency rate of 0.76%.
How does De Soto Mo Pac compare to other credit unions?
De Soto Mo Pac scores 97/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join De Soto Mo Pac?
Membership eligibility for De Soto Mo Pac depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact De Soto Mo Pac directly for current membership requirements and application steps.
Is my money safe at De Soto Mo Pac?
Federal credit unions like De Soto Mo Pac are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. De Soto Mo Pac's net worth ratio of 9.74% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does De Soto Mo Pac offer compared to banks?
Credit unions like De Soto Mo Pac are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact De Soto Mo Pac directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.