State credit union · Dexter, Missouri · NCUA charter #67703
Dexter Public Schools
Health score 86/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $5.4M
- Total assets
- 691
- Members
- 9.6%
- Net-worth ratio
Dexter Public Schools - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #67703 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Dexter Public Schools - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)96
- Asset quality (delinquency)100
- Earnings (ROA)58
- Member growth68
- Liquidity (loan-to-share)88
Weighted composite: 86/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.57%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.57% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.09% | 15% |
| Member Growth | 1.02% | 15% |
| Loan-to-Share Ratio | 94.08% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $5.4M | 691 |
| 2024Q4 | $5.1M | 684 |
| 2023Q4 | $5.0M | 685 |
Credit Union Details
- Charter Number
- 67703
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Missouri
- City
- Dexter
- Data Quarter
- 2025Q4
What This Data Says About Dexter Public Schools
Charter #67703, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's Dexter Public Schools, a state credit union in Dexter, Missouri with 691 members, $5.4M in total assets, and $4.4M in outstanding loans as of Q4 2025. The five-factor composite scores it 86/100 (Excellent), helped by a net worth ratio of 9.57% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 0.00% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers - and a 94.08% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.09% on net income of $5K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.02%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Dexter Public Schools financially healthy?
A 9.57% net worth ratio and a 0.00% delinquency rate feed into Dexter Public Schools's financial health score of 86/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Dexter Public Schools compare to other credit unions?
PlainCU's health composite puts Dexter Public Schools at 86/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Dexter Public Schools?
Membership eligibility for Dexter Public Schools depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Dexter Public Schools directly for current membership requirements and application steps.
Is my money safe at Dexter Public Schools?
Federal credit unions like Dexter Public Schools 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. Dexter Public Schools's net worth ratio of 9.57% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Dexter Public Schools offer compared to banks?
Credit unions like Dexter Public Schools 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 Dexter Public Schools directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.