State credit union · ST JOSEPH, Missouri · NCUA charter #63606
GOETZ
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $88.1M
- Total assets
- 13,372
- Members
- 15.2%
- Net-worth ratio
GOETZ scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $88.1M; members 13,372; net-worth ratio 15.24%; health rank #338 of 4,374; healthier than 90th of scored peers.
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NCUA 5300 Call Report Masthead
#338 of 4,374 health · 2025Q4GOETZ · health 95/100 · $88.1M · 2025Q4
Call Report peers
GOETZ in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
GOETZ vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); GOETZ sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
GOETZ: Call Report deltas vs peers
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +10.41 pp (73.01% vs 62.60%).
Missouri standing for GOETZ
- In Missouri, health place is #13 of 89 on the same NCUA-ratio sort used nationally.
- Missouri assets place: #32 of 89.
- Member book place in Missouri: #23 of 89.
- One place up in Missouri, Missouri Electric Cooperatives Empl (#12) scores 96/100, 1 point higher; one place down, UNITED (#14) ties at 95/100.
How GOETZ's 5300 filing moved
GOETZ: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.2% from $88.1M (2025Q4) to $90.9M (2026Q1).
- Net-worth ratio shifted -0.26 pp (15.50% → 15.24%).
This credit union's 15.24% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 95/100 score is built
GOETZ gives up 5 points in total. Member Growth costs the most, 4.6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.4 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for GOETZ
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.24% | +1.62 pp |
| Delinquency Rate | 0.35% | -0.61 pp |
| Return on Assets | 1.34% | +0.68 pp |
| Member Growth | 1.13% | - |
| Loan-to-Share Ratio | 73.01% | +10.41 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $90.9M | - |
| 2025Q4 | $88.1M | 13,372 |
| 2024Q4 | $83.7M | 13,222 |
| 2023Q4 | $80.4M | 13,006 |
Credit Union Details
- Charter Number
- 63606
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Missouri
- City
- ST JOSEPH
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, GOETZ runs one office.
| Office | City |
|---|---|
| Goetz credit union (Main Office) | Saint Joseph, 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.
GOETZ nationwide neighbourhoods
Using this data
- GOETZ ranks #338 of 4,374 nationally on financial health and #13 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CSD is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CSD
Frequently Asked Questions
Is GOETZ financially healthy?
GOETZ has a financial health score of 95/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #338 of 4,374 nationally on health and #13 of 89 in Missouri. Its net worth ratio is 15.24% and its delinquency rate 0.35%.
How does GOETZ compare to other credit unions?
GOETZ scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (73.01% vs 62.60%).
How can I join GOETZ?
Membership eligibility for GOETZ depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact GOETZ directly for current membership requirements and application steps.
Is my money safe at GOETZ?
GOETZ is a state-chartered credit union; its shares are federally 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. GOETZ's net worth ratio of 15.24% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.