State credit union · Park Hills, Missouri · NCUA charter #67716
Southeast Missouri Community
Health score 63/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $6.5M
- Total assets
- 1,180
- Members
- 8.7%
- Net-worth ratio
Southeast Missouri Community scores 63/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.5M; members 1,180; net-worth ratio 8.67%; health rank #3,960 of 4,374; healthier than 9th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,960 of 4,374 health · 2025Q4Southeast Missouri Community · health 63/100 · $6.5M · 2025Q4
- PHOTO 63/100
- BOOK 8.7%
- CHARTER 0.95%
- NCUSIF -1.90%
- CAMELS $6.5M
- HEALTH 1,180
- NW #3,960/4,374
- DELQ n/a
- ROA 67716
Call Report peers
Southeast Missouri Community carries $6.5M 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.
Southeast Missouri Community 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
63 9th percentile higher than 9% 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
Southeast Missouri Community - Share Insurance Coverage
Charter #67716's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Southeast Missouri Community: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.95% vs peer 1.81% (-0.86 pp).
- Net Worth Ratio trails the peer set - 8.67% here, 19.06% peer average (-10.39 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Southeast Missouri Community sits in Missouri
- In Missouri, health place is #77 of 89 on the same NCUA-ratio sort used nationally.
- Missouri assets place: #77 of 89.
- Membership ranks #73 of 89 among Missouri CUs with a reported count (1,180 members).
In-state ordinals use the live credit_unions table for MO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Southeast Missouri Community Call Report trajectory
Southeast Missouri Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -3.5% from $6.5M (2025Q4) to $6.2M (2026Q1).
- Net-worth ratio shifted +0.36 pp (8.31% → 8.67%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.67% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 63/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 63.
- Net Worth Ratio 26.7 pts
- Delinquency Rate 20.5 pts
- Return on Assets 0.0 pts
- Member Growth 3.2 pts
- Loan-to-Share Ratio 12.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.67% | -10.39 pp |
| Delinquency Rate | 0.95% | -0.86 pp |
| Return on Assets | -1.90% | -2.35 pp |
| Member Growth | -3.20% | - |
| Loan-to-Share Ratio | 58.85% | -4.75 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 | $6.2M | - |
| 2025Q4 | $6.5M | 1,180 |
| 2024Q4 | $7.3M | 1,219 |
| 2023Q4 | $7.3M | 1,412 |
Credit Union Details
- Charter Number
- 67716
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Missouri
- City
- Park Hills
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Southeast Missouri Community runs one office.
| Office | City |
|---|---|
| Southeast Missouri Community Credit Union (Main Office) | Park Hills, 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.
Southeast Missouri Community nationwide neighbourhoods
Southeast Missouri Community'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 (63/100 here).
Using this data
- Southeast Missouri Community ranks #3,960 of 4,374 nationally on financial health and #77 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FEDCO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FEDCO
- 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 Southeast Missouri Community financially healthy?
Southeast Missouri Community has a financial health score of 63/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,960 of 4,374; by total assets it ranks #3,764 of 4,374 nationally (same basis as /rankings/largest); and #77 of 89 within Missouri. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.67% and delinquency rate of 0.95%.
How does Southeast Missouri Community compare to other credit unions?
Southeast Missouri Community scores 63/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 Southeast Missouri Community?
Membership eligibility for Southeast Missouri Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Southeast Missouri Community directly for current membership requirements and application steps.
Is my money safe at Southeast Missouri Community?
Federal credit unions like Southeast Missouri Community 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. Southeast Missouri Community's net worth ratio of 8.67% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Southeast Missouri Community offer compared to banks?
Credit unions like Southeast Missouri Community 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 Southeast Missouri Community 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.