Federal credit union · Huron, South Dakota · NCUA charter #7020
M O
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $42.4M
- Total assets
- 1,774
- Members
- 13.7%
- Net-worth ratio
M O scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $42.4M; members 1,774; net-worth ratio 13.68%; health rank #1,085 of 4,374; healthier than 73rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,085 of 4,374 health · 2025Q4M O · health 90/100 · $42.4M · 2025Q4
- CAMELS 90/100
- HEALTH 13.7%
- NW 0.06%
- DELQ 0.71%
- ROA $42.4M
- ASSETS 1,774
- MEM #1,085/4,374
- RANK Eastern Indiana
- PHOTO 7020
Call Report peers
M O in the assets neighbourhood
M O's $42.4M assets sit next to Eastern Indiana ($42.4M) 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.
M O 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
90 Top 27% higher than 73% 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
M O - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #7020, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where M O diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -1.09 pp (0.06% vs 1.15%).
- Net Worth Ratio trails the peer set - 13.68% here, 14.86% peer average (-1.18 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where M O sits in South Dakota
- In South Dakota, health place is #17 of 33 on the same NCUA-ratio sort used nationally.
- By total assets, M O is #19 of 33 in South Dakota.
- Membership ranks #24 of 33 among South Dakota CUs with a reported count (1,774 members).
In-state ordinals use the live credit_unions table for SD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
M O: 2025Q4 → 2026Q1
M O: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.4% from $42.4M (2025Q4) to $41.4M (2026Q1).
- Net-worth ratio shifted +0.64 pp (13.04% → 13.68%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.68%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.6 pts
- Loan-to-Share Ratio 13.4 pts
M O vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.68% | -1.18 pp |
| Delinquency Rate | 0.06% | -1.09 pp |
| Return on Assets | 0.71% | +0.01 pp |
| Member Growth | -1.33% | - |
| Loan-to-Share Ratio | 60.76% | +0.96 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).
M O quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $41.4M | - |
| 2025Q4 | $42.4M | 1,774 |
| 2024Q4 | $42.4M | 1,798 |
| 2023Q4 | $40.7M | 1,788 |
Credit Union Details
- Charter Number
- 7020
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- South Dakota
- City
- Huron
- Data Quarter
- 2025Q4
Branch Location
M O operates a single office in Huron, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| M-O Federal Credit Union (Main Office) | Huron, SD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Dakota
More federally-insured credit unions based in South Dakota, ordered by peer group match and asset size.
Other-state peers near M O
Cross-state asset and health neighbours for M O - kept outside South Dakota; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($42.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- M O ranks #1,085 of 4,374 nationally on financial health and #17 of 33 in SD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Dakota Star is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Dakota Star
- Rates and health both vary by institution, not just by state -- see how South Dakota credit unions compare overall before assuming this one is typical. South Dakota 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 M O financially healthy?
A 13.68% net worth ratio and a 0.06% delinquency rate feed into M O's financial health score of 90/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,085 of 4,374; by total assets it ranks #2,544 of 4,374 nationally (same basis as /rankings/largest); and #19 of 33 within South Dakota. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does M O compare to other credit unions?
On PlainCU's health composite, M O lands at 90/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 M O?
M O serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact M O directly for the current list of qualifying groups.
Is my money safe at M O?
Federal credit unions like M O 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. M O's net worth ratio of 13.68% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does M O offer compared to banks?
Credit unions like M O 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 M O 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.