State credit union · Sikeston, Missouri · NCUA charter #63830
Sikeston Public Schools
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $5.6M
- Total assets
- 1,195
- Members
- 18.6%
- Net-worth ratio
Sikeston Public Schools scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.6M; members 1,195; net-worth ratio 18.56%; health rank #1,391 of 4,374; healthier than 65th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,391 of 4,374 health · 2025Q4Sikeston Public Schools · health 88/100 · $5.6M · 2025Q4
- MEM 88/100
- RANK 18.6%
- PHOTO 1.00%
- BOOK 0.79%
- CHARTER $5.6M
- NCUSIF 1,195
- CAMELS #1,391/4,374
- HEALTH n/a
- NW 63830
Call Report peers
Sikeston Public Schools carries $5.6M 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.
Sikeston Public Schools 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
88 Top 35% higher than 65% 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
Sikeston Public Schools - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #63830, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Sikeston Public Schools diverges from peer averages
- Delinquency Rate leads the peer set - 1.00% here, 1.81% peer average (-0.81 pp).
- Largest lag: Loan-to-Share Ratio at 57.64% vs peer 63.60% (-5.96 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Missouri standing for Sikeston Public Schools
- Health composite ranks #36 of 89 among scored Missouri credit unions.
- Missouri assets place: #78 of 89.
- Missouri membership ordinal: #71 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 Sikeston Public Schools
Sikeston Public Schools: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.8% from $5.6M (2025Q4) to $5.5M (2026Q1).
- Net-worth ratio shifted +0.83 pp (17.73% → 18.56%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 18.56% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.9 pts
- Loan-to-Share Ratio 12.1 pts
Sikeston Public Schools vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.56% | -0.50 pp |
| Delinquency Rate | 1.00% | -0.81 pp |
| Return on Assets | 0.79% | +0.34 pp |
| Member Growth | 1.62% | - |
| Loan-to-Share Ratio | 57.64% | -5.96 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).
Sikeston Public Schools filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.5M | - |
| 2025Q4 | $5.6M | 1,195 |
| 2024Q4 | $5.1M | 1,176 |
| 2023Q4 | $5.1M | 1,182 |
Credit Union Details
- Charter Number
- 63830
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Missouri
- City
- Sikeston
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Sikeston Public Schools runs one office.
| Office | City |
|---|---|
| Main Office (Main Office) | Sikeston, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
Other federally-insured credit unions in Missouri, closest first by peer group and asset size.
Sikeston Public Schools nationwide neighbourhoods
Sikeston Public Schools'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 (88/100 here).
Using this data
- Sikeston Public Schools ranks #1,391 of 4,374 nationally on financial health and #36 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Dexter Public Schools is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Dexter Public Schools
- 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 Sikeston Public Schools financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - Sikeston Public Schools'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 #1,391 of 4,374; by total assets it ranks #3,823 of 4,374 nationally (same basis as /rankings/largest); and #78 of 89 within Missouri. Above 80 reads excellent, below 50 warrants closer monitoring; a 18.56% net worth ratio and 1.00% delinquency rate are the key drivers.
How does Sikeston Public Schools compare to other credit unions?
PlainCU's health composite puts Sikeston Public Schools at 88/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Sikeston Public Schools?
Membership eligibility for Sikeston Public Schools depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Sikeston Public Schools directly for current membership requirements and application steps.
Is my money safe at Sikeston Public Schools?
Federal credit unions like Sikeston Public Schools 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. Sikeston Public Schools's net worth ratio of 18.56% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Sikeston Public Schools offer compared to banks?
Credit unions like Sikeston Public Schools 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 Sikeston Public Schools 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.