State credit union · JOPLIN, Missouri · NCUA charter #64691
Joplin Metro
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $55.7M
- Total assets
- 5,782
- Members
- 17.6%
- Net-worth ratio
Joplin Metro scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $55.7M; members 5,782; net-worth ratio 17.63%; health rank #219 of 4,374; healthier than 93rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#219 of 4,374 health · 2025Q4Joplin Metro · health 96/100 · $55.7M · 2025Q4
- CAMELS 96/100
- HEALTH 17.6%
- NW 0.48%
- DELQ 2.12%
- ROA $55.7M
- ASSETS 5,782
- MEM #219/4,374
- RANK Ark Valley
- PHOTO 64691
Call Report peers
Joplin Metro in the assets neighbourhood
Joplin Metro's $55.7M assets sit next to Ark Valley ($55.8M) 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.
Joplin Metro 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
96 Top 7% higher than 93% 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
Joplin Metro - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #64691, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Joplin Metro vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +26.94 pp (89.54% vs 62.60%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Missouri standing for Joplin Metro
- Missouri health ordinal: #9 of 89.
- Missouri assets place: #43 of 89.
- Missouri membership ordinal: #39 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.
Joplin Metro Call Report trajectory
Joplin Metro: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $55.7M (2025Q4) to $56.3M (2026Q1).
- Net-worth ratio shifted +0.30 pp (17.33% → 17.63%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 17.63%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 96/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.4 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.63% | +4.01 pp |
| Delinquency Rate | 0.48% | -0.48 pp |
| Return on Assets | 2.12% | +1.46 pp |
| Member Growth | 1.99% | - |
| Loan-to-Share Ratio | 89.54% | +26.94 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Joplin Metro quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $56.3M | - |
| 2025Q4 | $55.7M | 5,782 |
| 2024Q4 | $50.2M | 5,669 |
| 2023Q4 | $48.5M | 5,487 |
Credit Union Details
- Charter Number
- 64691
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Missouri
- City
- JOPLIN
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Joplin Metro runs 2 offices.
| Office | City |
|---|---|
| Joplin Metro Credit Union (Main Office) | Joplin, MO |
| Joplin Metro Credit Union | Joplin, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
Other federally-insured credit unions in Missouri, closest first by peer group and asset size.
Joplin Metro nationwide neighbourhoods
Cross-state asset and health neighbours for Joplin Metro - kept outside Missouri; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($55.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
Using this data
- Joplin Metro ranks #219 of 4,374 nationally on financial health and #9 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HORIZON is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HORIZON
- 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 Joplin Metro financially healthy?
Yes/no aside, the number is 96/100 (Excellent) - Joplin Metro's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #219 of 4,374; by total assets it ranks #2,320 of 4,374 nationally (same basis as /rankings/largest); and #43 of 89 within Missouri. Above 80 reads excellent, below 50 warrants closer monitoring; a 17.63% net worth ratio and 0.48% delinquency rate are the key drivers.
How does Joplin Metro compare to other credit unions?
Five weighted metrics from NCUA filings produce Joplin Metro's 96/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Joplin Metro?
Membership eligibility for Joplin Metro depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Joplin Metro directly for current membership requirements and application steps.
Is my money safe at Joplin Metro?
Federal credit unions like Joplin Metro 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. Joplin Metro's net worth ratio of 17.63% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Joplin Metro offer compared to banks?
Credit unions like Joplin Metro 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 Joplin Metro 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.