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
Call Report peers
M O in the assets neighbourhood
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M O vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); M O sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in South Dakota, Dakota Plains (#16) scores 91/100, 1 point higher; one place down, LEVO (#18) ties at 90/100.
M O: 2025Q4 → 2026Q1
M O: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.4% from $42.4M (2025Q4) to $41.4M (2026Q1).
- Net-worth ratio shifted +0.64 pp (13.04% → 13.68%).
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
M O gives up 10 points in total. Member Growth costs the most, 8.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is M O financially healthy?
M O has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,085 of 4,374 nationally on health and #17 of 33 in South Dakota. Its net worth ratio is 13.68% and its delinquency rate 0.06%.
How does M O compare to other credit unions?
M O scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.06% vs 1.15%). Its widest shortfall is net worth ratio (13.68% vs 14.86%).
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?
M O is a federal 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. M O's net worth ratio of 13.68% 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.