First Missouri Credit Union Saint Louis, Missouri
First Missouri Credit Union is a state-chartered credit union headquartered in Saint Louis, MO, established in 1927 (NCUA charter 62716), and it is regulated and insured by the NCUA. At Q2 2026 it reported 7,900 members and total assets of $125.1M (up 10.4% from Q2 2025), the 26th largest of 85 credit unions headquartered in Missouri. Its net worth ratio was 9.43% at Q2 2026, in the well capitalized band.
Also written as First Missouri CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 62716
- Headquarters
- Saint Louis, MO
- Established
- 1927
- Total assets, Q2 2026
- $125.1M
- Assets vs Q2 2025
- +10.4%
- Members, Q2 2026
- 7,900
- Net worth ratio, Q2 2026
- 9.43%
- Latest call report
- Q2 2026, NCUA 5300 · First Missouri Credit Union call report
- Asset rank in state
- 26th of 85 in Missouri
- Routing number
- 281081013
- Branches
- 2
It has 47 more members than on June 30, 2025 (+0.6%). Its net worth ratio was down 1.18 percentage points from 10.61% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $39.0M of $99.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.77% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 9.43% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in Missouri
Frequently asked about First Missouri Credit Union
How big is First Missouri Credit Union?
At Q2 2026 it reported total assets of $125.1M and 7,900 members.
Where is First Missouri Credit Union headquartered?
It is headquartered in Saint Louis, MO, United States.
When was First Missouri Credit Union founded?
It was established in 1927, per NCUA records.
Is First Missouri Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 62716): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates First Missouri Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is First Missouri Credit Union well capitalized?
Its net worth ratio was 9.43% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is First Missouri Credit Union's delinquency ratio?
Its delinquency ratio was 0.77% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is First Missouri Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 88.64% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Saint Louis, MO 63125
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1927
- NCUA Charter #
- 62716
- RSSD ID
- 992990
- Members
- 7,900
- Potential members
- 1,604,757
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 9.43% | 11.43% | 20th bottom |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.34% | 0.81% | 20th bottom |
| Return on equity Middle half of peers: 3.87% to 9.84% | 3.63% | 7.02% | 23rd bottom |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.02% | 3.70% | 70th above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 84.50% | 76.55% | 23rd bottom |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.52% | 1.24% | 28th below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.77% | 0.68% | 45th below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.54% | 4.92% | 81st position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 88.64% | 75.66% | 80th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$125.1M total assets against $113.4M; $111.9M total shares and deposits against $101.1M; $99.2M total loans against $85.7M.
$11.8M net worth against $12.0M.
9.43% net worth ratio against 10.61%.
88.64% loan-to-share ratio against 84.75%.
0.77% delinquency ratio against 1.40%.
0.34% return on assets against 0.29%; 3.63% return on equity against 2.77%.
4.02% net interest margin against 4.17%.
7,900 members against 7,853.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.43% | 0.34% | 0.77% | 88.64% |
| March 31, 2026 | 9.65% | 0.27% | 0.76% | 86.52% |
| December 31, 2025 | 10.08% | -1.45% | 0.68% | 89.92% |
| September 30, 2025 | 10.65% | 0.33% | 1.55% | 86.86% |
| June 30, 2025 | 10.61% | 0.29% | 1.40% | 84.75% |
| March 31, 2025 | 10.46% | 0.36% | 1.57% | 82.66% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.