State credit union · Jefferson City, Missouri · NCUA charter #67739
Missouri Electric Cooperatives Empl
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $366.3M
- Total assets
- 13,601
- Members
- 11.2%
- Net-worth ratio
Missouri Electric Cooperatives Empl scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $366.3M; members 13,601; net-worth ratio 11.23%; health rank #271 of 4,374; healthier than 93rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#271 of 4,374 health · 2025Q4Missouri Electric Cooperati… · health 96/100 · $366.3M · 2025Q4
- BOOK 96/100
- CHARTER 11.2%
- NCUSIF 0.08%
- CAMELS 0.91%
- HEALTH $366.3M
- NW 13,601
- DELQ #271/4,374
- ROA WEST-AIRCOMM
- ASSETS 67739
Call Report peers
Missouri Electric Cooperatives Empl in the assets neighbourhood
Missouri Electric Cooperatives Empl's $366.3M assets sit next to WEST-AIRCOMM ($366.3M) 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.
Missouri Electric Cooperatives Empl 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
96 Top 7% higher than 93% 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 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.
Where Missouri Electric Cooperatives Empl diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.81 pp (0.08% vs 0.89%).
- Net Worth Ratio trails the peer set - 11.23% here, 12.11% peer average (-0.88 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Missouri Electric Cooperatives Empl in Missouri
- Missouri health ordinal: #12 of 89.
- Assets rank #14 of 89 inside Missouri ($366.3M reported).
- Member book place in Missouri: #21 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.
Quarter path for Missouri Electric Cooperatives Empl
Missouri Electric Cooperatives Empl: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.9% from $366.3M (2025Q4) to $387.8M (2026Q1).
- Net-worth ratio shifted -0.29 pp (11.52% → 11.23%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.23% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 96/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.3 pts
- Loan-to-Share Ratio 14.7 pts
Missouri Electric Cooperati… health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.23% | -0.88 pp |
| Delinquency Rate | 0.08% | -0.81 pp |
| Return on Assets | 0.91% | +0.29 pp |
| Member Growth | 1.88% | - |
| Loan-to-Share Ratio | 71.56% | -0.64 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $387.8M | - |
| 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
Branch Location
Missouri Electric Cooperatives Empl operates a single office in Jefferson City, per its most recent NCUA branch filing.
| 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.
Missouri Electric Cooperatives Empl nationwide neighbourhoods
Two NCUA Call Report peer sets for Missouri Electric Cooperatives Empl, both outside Missouri so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($366.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
Using this data
- Missouri Electric Cooperatives Empl ranks #271 of 4,374 nationally on financial health and #12 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BLUCURRENT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BLUCURRENT
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #271 of 4,374; by total assets it ranks #913 of 4,374 nationally (same basis as /rankings/largest); and #14 of 89 within Missouri. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.23% 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 11.23% 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.
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.