M O

M O is a federal credit union headquartered in Huron, South Dakota, serving 1,774 members with $42.4M in total assets and $22.2M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 82/100 (Excellent), anchored by a net worth ratio of 13.04% — above the 7.0% threshold the NCUA uses to classify a credit union as "well capitalized" under Prompt Corrective Action rules. Charter #7020 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.

Loan book quality and earnings power round out the picture. The delinquency rate of 0.06% measures loans 60+ days past due against total loans outstanding — the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Return on assets comes in at 0.00%, reflecting the not-for-profit cooperative model where surplus earnings flow back to members as better rates and lower fees rather than to shareholders. The loan-to-share ratio of 60.76% indicates how aggressively member deposits are being deployed into lending — within the 60–80% range most industry analysts consider optimally balanced between yield and liquidity.

Every deposit account at M O is federally insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000 per depositor, per ownership category — identical coverage to FDIC insurance at banks. Year-over-year membership changed by -1.33%, and the institution reports against the NCUA 5300 Call Report on a quarterly cadence, so the figures above reflect the 2025Q4 reporting period. This page is informational only and is not a recommendation, solicitation, or financial advice; credit union performance can change materially quarter to quarter, membership eligibility depends on the stated field of membership (currently: Multiple Common Bond), and current deposit and loan rates should be verified directly with M O before opening any account or borrowing.