State overview · Q4 2025

Missouri Credit Unions

All 89 federally-insured credit unions in Missouri, ranked by financial health, from NCUA 5300 Call Reports.

89
Credit unions
1.4M
Members
$18.9B
Combined assets
81/100
Avg health
89 CUs · avg health 81/100

Missouri has 89 federally insured credit unions averaging 81/100 health on NCUA 5300 Call Report aggregates. Combined assets $18.9B; 57 score Excellent (80+). State leader: Community First at 100/100.

  • Mean delinquency rank #32 of 52 (lower DQ better)
  • Mean ROA rank #45 of 52
  • Data vintage 2026-09-06

Missouri vs all states by credit-union count

Where this state's federally insured CU count sits among every state and D.C. on PlainCU

89 16th of 54 higher than 37 of 54 states

States and D.C., banded by federally insured credit-union count

Each bar is a band; taller bars hold more states. 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 · Q4 2025

Health-score distribution

How Missouri's 89 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

Excellent (80–100)57 CUsGood (60–79)23 CUsFair (40–59)7 CUsWeak (<40)2 CUs

Missouri Call Report component averages

Mean NCUA 5300 ratios across 89 federally insured credit unions in Missouri, plus national ordinals among 52 jurisdictions with ≥5 scored charters. Registry figures only, not advice on where to bank.

Mean delinquency
1.30%
National rank #32 of 52 · lower DQ better
Mean ROA
0.42%
National rank #45 of 52
Mean loan-to-share
71.1%
Mean net worth 11.9% · well-capitalized (≥7%) 93.3%
Largest CU share of state assets
25.6%
Tilted book, largest charter holds 25–50% of combined Missouri CU assets · concentration rank #30 of 52 (lower share = more dispersed) · largest by assets on this board: First Community

A national sample of U.S. jurisdictions' credit-union sectors, positioned by mean net worth ratio (capital cushion) against mean delinquency rate (asset quality). Missouri is highlighted. The crosshair splits states at the MEDIAN net worth ratio (14.0%) and the median delinquency rate (1.20%) computed across all 52 scored jurisdictions, not just the 30 plotted here, and not a simple midpoint of the range.

Missouri vs. a national sample of states' credit-union sectors

Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Missouri highlighted. 2×2 strategic matrix plotting 30 entities by Net worth ratio (X) and Delinquency rate (Y), with a crosshair dividing the plot into four quadrants. Capitalized but RiskyWeakest PositionStrongest PositionLean but Clean 10%12%14%16%18%20% 0%0.5%1%1.5%2%2.5%3% Net worth ratio Delinquency rate Missouri vs. a national sample of states' credit-union sectors AL - 16.25%, 1.743%AK - 11.69%, 0.876%AR - 16.34%, 1.809%CO - 11.98%, 1.045%DE - 15.7%, 1.799%DC - 14.99%, 2.364%GA - 15.97%, 1.181%ID - 11.55%, 0.89%IN - 14.73%, 1.306%IA - 15.09%, 1.429%KY - 14.12%, 1.121%ME - 11.58%, 0.818%MA - 14.25%, 0.901%MI - 12.62%, 0.909%MS - 17.86%, 2.688%NE - 13.77%, 1.06%NH - 11.15%, 0.746%NJ - 16.56%, 1.74%NY - 14.23%, 1.635%ND - 15.1%, 0.95%OK - 13.44%, 1.238%OR - 13.17%, 1.122%RI - 12.53%, 0.533%SD - 12.58%, 0.791%TX - 15.62%, 1.279%VI - 15.23%, 1.532%VT - 11.83%, 1.399%WA - 12.92%, 0.882%WI - 13.48%, 1.468%MO - 11.87%, 1.299%
Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Missouri highlighted.

All Credit Unions in Missouri

Credit Union Health
Community First HANNIBAL 100
OZARK Poplar Bluff 100
CENTURY SAINT LOUIS 98
MULTIPLI Jefferson City 98
TELCOMM Springfield 98
Co - Lib Saint Louis 97
De Soto Mo Pac De Soto 97
SHOW-ME Mexico 97
Joplin Metro JOPLIN 96
Missouri Electric Cooperatives Empl Jefferson City 96
MULTI-STATES SPRINGFIELD 96
Public Safety Kansas City 96
COLUMBIA Columbia 95
GOETZ ST JOSEPH 95
UNITED Mexico 95
Division #6 Highway Chesterfield 94
Missouri Central Lees Summit 94
Our Lady of Snows Henley 94
Postal & Community Saint Joseph 94
R G RAYMORE 94
BLUCURRENT SPRINGFIELD 93
Conservation Employees Jefferson City 93
Members 1st Saint Louis 93
RIVERWAYS Rolla 93
FEDCO Jefferson City 92
Highway Alliance Jefferson city 92
HORIZON Macon 92
Northwest Missouri Regional MARYVILLE 92
CSD KANSAS CITY 91
First Community Chesterfield 90
First Missouri Saint Louis 90
LUTHERAN Saint Louis 89
STATIONERY Saint Joseph 89
United Labor Raytown 89
VOLT Springfield 89
LEGACY Joplin 88
Sikeston Public Schools Sikeston 88
Dexter Public Schools Dexter 87
Independence Teachers Independence 87
METRO Springfield 87
FOUNDATION Springfield 86
INFUZE Fort Leonard Wo 86 †
TOGETHER Saint Louis 86
Central Missouri Community WARRENSBURG 85
United Consumers INDEPENDENCE 85
COUNTY Clayton 84
Leadco Community Park Hills 84
Northeast Regional HANNIBAL 83
VANTAGE Saint Charles 83
Burlington Northtown Community North Kansas Ci 82
Missouri Baptist Jefferson City 82
CITY Independence 81
Civic Central Jefferson City 81
District One Highway SAINT JOSEPH 81
Shelter Insurance Columbia 81
Assemblies of God Springfield 80
St. Augustine Kelso 80
ALLTRU WENTZVILLE 79
St. Louis Policemen`S saint louis 79
ALLIANCE Fenton 78
J C Federal Employees Jefferson City 78
PATRIOT OAKVILLE 78
West Community O Fallon 77
West Side Baptist Church Saint Louis 77
K.C. Area KANSAS CITY 76
Educational Community Springfield 75
St. Joseph Teachers' SAINT JOSEPH 75
Academic Employees Columbia 74
Kc Unidos Kansas City 74
NEIGHBORS Saint Louis 74
Health Care Family Saint Louis 73
Raytown-Lee's Summit Community RAYTOWN 69
Highway Crossroads Sikeston 68
Great Plains JOPLIN 67
South Central Missouri Willow Springs 67
St. Louis Newspaper Carriers fenton 67
Southeast Missouri Community Park Hills 63
Bothwell Hospital Employees SEDALIA 60
Holy Rosary KANSAS CITY 60
St. Louis Community Saint Louis 60
Lovers Lane SAINT JOSEPH 59
ARSENAL Arnold 58
Catholic Family Kansas City 58
Summit Ridge LEES SUMMIT 53
Gateway Metro Saint Louis 49
Kansas City KANSAS CITY 47
Bluescope Employees' KANSAS CITY 40
WEDEVELOPMENT Kansas City 36
African Diaspora Saint Louis 34 †

† Score computed from fewer than five NCUA-reported metrics for this credit union (one or more figures unavailable this quarter); the remaining pillar weights are renormalized so the composite stays on the same 0-100 scale. See methodology.

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.

What This Data Says About Credit Unions in Missouri

Missouri is home to 89 federally-insured credit unions collectively serving 1.4M members with $18.9B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 81/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. Community First of HANNIBAL currently leads the cohort with a health score of 100/100, while the full distribution spans 89 institutions ranked below.

The health distribution breaks into four bands: 57 credit unions score 80–100 (Excellent), 23 score 60–79 (Good), 7 score 40–59 (Fair), and 2 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A small number of institutions above (marked †) are missing one or more of these inputs this quarter; their composite is renormalized over the pillars actually reported, on the same 0–100 scale. A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across Missouri's 89 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Nationwide states with similar credit-union assets or inventory

Two NCUA Call Report peer sets for Missouri: nearest jurisdictions by combined federally-insured credit-union assets and by credit-union count. These are cross-state neighborhoods, not the in-state CU list above.

Similar combined assets

Nearest states by total credit-union assets ($18.9B here).

New Mexico $20.4B Hawaii $17.0B Louisiana $16.9B Oklahoma $21.5B

Similar credit-union inventory

Nearest states by federally-insured credit-union count (89 here).

Alabama 89 CUs Virginia 95 CUs Minnesota 82 CUs Wisconsin 100 CUs

Frequently Asked Questions

How many credit unions are in Missouri?

There are 89 federally-insured credit unions in Missouri as of Q4 2025, with a combined 1.4M members and $18.9B in total assets. That places Missouri at #29 of 54 among U.S. jurisdictions by combined credit-union assets. On average health score, Missouri ranks #31 of 54. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in Missouri?

Based on NCUA Q4 2025 data, Community First in HANNIBAL ranks highest in Missouri with a health score of 100/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Using Missouri's data

  • Community First in HANNIBAL is the healthiest scored credit union in Missouri at 100/100 -- look up its full composite before assuming it fits your situation. View full profile
  • Missouri's credit unions rank #32 of 52 nationally on delinquency rate (mid-pack) and #45 of 52 on return on assets (among the weakest) -- both factor into the health score above, but they can move independently. National health rankings
  • Missouri ranks #31 of 54 by average health score and #29 of 54 by combined credit-union assets among U.S. states -- see how other states compare before assuming this one is typical. State overviews

Figures are composite scores and averages built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

Read our methodology - how this data is sourced, computed, and verified.