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
Call Report peers
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
The busiest band is 85-89 (858 credit unions); Southeast Missouri Community sits in 60-64 with 179 others.
63 9th percentile higher than 9% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Missouri, St. Louis Newspaper Carriers (#76) scores 67/100, 4 points higher; one place down, St. Louis Community (#78) scores 60/100, 3 points lower.
Southeast Missouri Community Call Report trajectory
Southeast Missouri Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -3.5% from $6.5M (2025Q4) to $6.2M (2026Q1).
- Net-worth ratio shifted +0.36 pp (8.31% → 8.67%).
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
Southeast Missouri Community gives up 37 points in total. Return on Assets costs the most, 15 of its 15; Loan-to-Share Ratio loses the least, 2.5.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Southeast Missouri Community financially healthy?
Southeast Missouri Community has a financial health score of 63/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,960 of 4,374 nationally on health and #77 of 89 in Missouri. Its net worth ratio is 8.67% and its delinquency rate 0.95%.
How does Southeast Missouri Community compare to other credit unions?
Southeast Missouri Community scores 63/100, higher than 9% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.95% vs 1.81%). Its widest shortfall is net worth ratio (8.67% vs 19.06%).
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?
Southeast Missouri Community is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.