State credit union · Jefferson City, Missouri · NCUA charter #64718
Missouri Baptist
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $9.8M
- Total assets
- 938
- Members
- 6.8%
- Net-worth ratio
Missouri Baptist scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.8M; members 938; net-worth ratio 6.82%; health rank #2,505 of 4,374; healthier than 43rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,505 of 4,374 health · 2025Q4Missouri Baptist · health 82/100 · $9.8M · 2025Q4
- ASSETS 82/100
- MEM 6.8%
- RANK 0.62%
- PHOTO 0.39%
- BOOK $9.8M
- CHARTER 938
- NCUSIF #2,505/4,374
- CAMELS n/a
- HEALTH 64718
Call Report peers
Missouri Baptist carries $9.8M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Missouri Baptist 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
82 43rd percentile higher than 43% 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
Missouri Baptist - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #64718. See our deposit-insurance coverage note.
Where Missouri Baptist diverges from peer averages
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +18.63 pp (82.23% vs 63.60%).
- Widest shortfall vs peers is Net Worth Ratio: -12.24 pp (6.82% vs 19.06%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Missouri Baptist: in-state Call Report ranks
- In Missouri, health place is #51 of 89 on the same NCUA-ratio sort used nationally.
- By total assets, Missouri Baptist is #70 of 89 in Missouri.
- Member book place in Missouri: #76 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.
Missouri Baptist: 2025Q4 → 2026Q1
Missouri Baptist: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +7.0% from $9.8M (2025Q4) to $10.5M (2026Q1).
- Net-worth ratio shifted -0.39 pp (7.21% → 6.82%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 6.82%, this institution is below the 7.0% NCUA well-capitalized threshold.
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 21.2 pts
- Delinquency Rate 23.8 pts
- Return on Assets 13.3 pts
- Member Growth 8.4 pts
- Loan-to-Share Ratio 15.3 pts
Missouri Baptist health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 6.82% | -12.24 pp |
| Delinquency Rate | 0.62% | -1.19 pp |
| Return on Assets | 0.39% | -0.07 pp |
| Member Growth | -0.32% | - |
| Loan-to-Share Ratio | 82.23% | +18.63 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.5M | - |
| 2025Q4 | $9.8M | 938 |
| 2024Q4 | $9.1M | 941 |
| 2023Q4 | $9.0M | 955 |
Credit Union Details
- Charter Number
- 64718
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Missouri
- City
- Jefferson City
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Missouri Baptist.
| Office | City |
|---|---|
| Main Office (Main Office) | Jefferson City, 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.
Nationwide credit unions with similar profiles
Missouri Baptist's nationwide photo peers by assets and by health score, excluding Missouri charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- Missouri Baptist ranks #2,505 of 4,374 nationally on financial health and #51 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- South Central Missouri is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with South Central Missouri
- 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 Missouri Baptist financially healthy?
Yes/no aside, the number is 82/100 (Excellent) - Missouri Baptist'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 #2,505 of 4,374; by total assets it ranks #3,574 of 4,374 nationally (same basis as /rankings/largest); and #70 of 89 within Missouri. Above 80 reads excellent, below 50 warrants closer monitoring; a 6.82% net worth ratio and 0.62% delinquency rate are the key drivers.
How does Missouri Baptist compare to other credit unions?
Five weighted metrics from NCUA filings produce Missouri Baptist's 82/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 Missouri Baptist?
Membership eligibility for Missouri Baptist depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Missouri Baptist directly for current membership requirements and application steps.
Is my money safe at Missouri Baptist?
Federal credit unions like Missouri Baptist 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. Missouri Baptist's net worth ratio of 6.82% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Missouri Baptist offer compared to banks?
Credit unions like Missouri Baptist 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 Missouri Baptist 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.