State credit union · Jefferson City, Missouri · NCUA charter #67739
Missouri Electric Cooperatives Empl
Health score 96/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $366.3M
- Total assets
- 13,601
- Members
- 11.5%
- Net-worth ratio
Missouri Electric Cooperatives Empl - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #67739 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Missouri Electric Cooperatives Empl - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth75
- Liquidity (loan-to-share)100
Weighted composite: 96/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 11.49% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.49% | 30% |
| Delinquency Rate | 0.08% | 25% |
| Return on Assets | 0.91% | 15% |
| Member Growth | 1.88% | 15% |
| Loan-to-Share Ratio | 71.56% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $366.3M | 13,601 |
| 2024Q4 | $327.9M | 13,350 |
| 2023Q4 | $313.0M | 12,924 |
Credit Union Details
- Charter Number
- 67739
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Missouri
- City
- Jefferson City
- Data Quarter
- 2025Q4
What This Data Says About Missouri Electric Cooperatives Empl
13,601 members and $366.3M in total assets sit behind Missouri Electric Cooperatives Empl, a state credit union in Jefferson City, Missouri, which posts a health score of 96/100 (Excellent) on the five-factor composite, with $225.6M in outstanding loans as of Q4 2025 and a net worth ratio of 11.49% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #67739 in peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Two more numbers round out the picture: a 0.08% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers - and a 71.56% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.91% on net income of $3.3M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.88%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Missouri Electric Cooperatives Empl financially healthy?
Yes/no aside, the number is 96/100 (Excellent) - Missouri Electric Cooperatives Empl's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.49% net worth ratio and 0.08% delinquency rate are the key drivers.
How does Missouri Electric Cooperatives Empl compare to other credit unions?
Five weighted metrics from NCUA filings produce Missouri Electric Cooperatives Empl's 96/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 Electric Cooperatives Empl?
Membership eligibility for Missouri Electric Cooperatives Empl depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Missouri Electric Cooperatives Empl directly for current membership requirements and application steps.
Is my money safe at Missouri Electric Cooperatives Empl?
Federal credit unions like Missouri Electric Cooperatives Empl 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 Electric Cooperatives Empl's net worth ratio of 11.49% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Missouri Electric Cooperatives Empl offer compared to banks?
Credit unions like Missouri Electric Cooperatives Empl 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 Electric Cooperatives Empl directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.