Credit Union Safety Analysis
Is Desoto Mo Pac Credit Union Safe? Desoto, Missouri
Based on its Q2 2026 NCUA 5300 call report, Desoto Mo Pac Credit Union has a net worth ratio of 9.74%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.33%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Desoto Mo Pac Credit Union's net worth ratio is 9.74%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.74%
- Delinquency ratio (60+ days) (Q2 2026): 1.33%
- Return on assets (Q2 2026): 0.57%
- Loan-to-share ratio (Q2 2026): 74.82%
Desoto Mo Pac Credit Union (NCUA charter 63507, established 1939) reported $30.5M in assets and 1,758 members for Q2 2026 from Desoto, Missouri. It ranks 49 of 85 credit unions in Missouri by total assets. Total assets grew 12.1% from $27.2M on June 30, 2025. It has 39 more members than on June 30, 2025 (+2.3%). Its net worth ratio was down 0.62 percentage points from 10.36% on June 30, 2025. Used vehicle loans are its largest loan category, $12.1M of $20.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.33% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 9.74% for Q1 2026; 10.36% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.79% for Q1 2026; 0.46% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.60% for Q1 2026; 0.62% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 74.50% for Q1 2026; 80.21% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $12.1M
- New vehicle loans: $3.4M
- Other secured non-real estate loans and lines of credit: $2.7M
- 1- to 4-family residential and other consumer real estate loans: $1.5M
- Other unsecured loans and lines of credit: $807K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $30.5M | 9.74% | 1.33% | 0.57% | 74.82% |
| March 31, 2026 | $30.1M | 9.74% | 0.79% | 0.60% | 74.50% |
| December 31, 2025 | $27.9M | 10.33% | 0.76% | 0.32% | 79.69% |
| September 30, 2025 | $27.4M | 10.44% | 0.73% | 0.60% | 81.56% |
| June 30, 2025 | $27.2M | 10.36% | 0.46% | 0.62% | 80.21% |
| March 31, 2025 | $25.9M | 10.73% | 0.27% | 0.65% | 83.13% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Desoto Mo Pac Credit Union profile
Regulator records: NCUA credit union profile (charter 63507) · FFIEC NIC profile (RSSD 182193)
Frequently asked questions
Is Desoto Mo Pac Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Desoto Mo Pac Credit Union's net worth ratio is 9.74%, above the 7% NCUA threshold for well capitalized.
Is Desoto Mo Pac Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Desoto Mo Pac Credit Union is a federally insured credit union (NCUA charter 63507): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Desoto Mo Pac Credit Union's key safety ratios?
For Q2 2026, Desoto Mo Pac Credit Union reports net worth 9.74%, delinquency 1.33%, ROA 0.57%, loan-to-share 74.82%.
What happens to my money if Desoto Mo Pac Credit Union fails?
For Q2 2026, Desoto Mo Pac Credit Union held $27.4M in shares and deposits for 1,758 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.