Foundation Credit Union Springfield, Missouri
Foundation Credit Union is a state-chartered credit union headquartered in Springfield, MO, established in 1933 (NCUA charter 61157), and it is regulated and insured by the NCUA. At Q2 2026 it reported 3,528 members and total assets of $76.6M (up 7.4% from Q2 2025), the 36th largest of 85 credit unions headquartered in Missouri. Its net worth ratio was 14.31% at Q2 2026, in the well capitalized band.
Also written as Foundation 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
- 61157
- Headquarters
- Springfield, MO
- Established
- 1933
- Total assets, Q2 2026
- $76.6M
- Assets vs Q2 2025
- +7.4%
- Members, Q2 2026
- 3,528
- Net worth ratio, Q2 2026
- 14.31%
- Latest call report
- Q2 2026, NCUA 5300 · Foundation Credit Union call report
- Asset rank in state
- 36th of 85 in Missouri
- Routing number
- 286582850
- Branches
- 2
It has 63 more members than on June 30, 2025 (+1.8%). Its net worth ratio was down 0.52 percentage points from 14.83% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $33.0M of $57.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.33% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 14.31% net worth ratio matches that band's 14.31% median.
Frequently asked about Foundation Credit Union
How big is Foundation Credit Union?
At Q2 2026 it reported total assets of $76.6M and 3,528 members.
Where is Foundation Credit Union headquartered?
It is headquartered in Springfield, MO, United States.
When was Foundation Credit Union founded?
It was established in 1933, per NCUA records.
Is Foundation Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 61157): 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 Foundation 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 Foundation Credit Union well capitalized?
Its net worth ratio was 14.31% 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 Foundation Credit Union's delinquency ratio?
Its delinquency ratio was 0.33% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Foundation Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 89.77% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Springfield, MO 65802
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1933
- NCUA Charter #
- 61157
- RSSD ID
- 341299
- Members
- 3,528
- Potential members
- 516,216
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 14.31% | 14.31% | 50th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.42% | 0.72% | 37th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 2.93% | 4.74% | 38th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.92% | 3.93% | 15th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 85.75% | 79.83% | 37th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 2.02% | 0.78% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.33% | 0.86% | 77th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.94% | 4.70% | 60th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 89.77% | 58.92% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$76.6M total assets against $71.3M; $64.5M total shares and deposits against $59.5M; $57.9M total loans against $54.6M.
$11.0M net worth against $10.6M.
14.31% net worth ratio against 14.83%.
89.77% loan-to-share ratio against 91.78%.
0.33% delinquency ratio against 0.33%.
0.42% return on assets against 0.59%; 2.93% return on equity against 3.97%.
2.92% net interest margin against 2.96%.
3,528 members against 3,465.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.31% | 0.42% | 0.33% | 89.77% |
| March 31, 2026 | 14.59% | 0.77% | 0.15% | 91.05% |
| December 31, 2025 | 15.09% | 0.57% | 0.65% | 100.44% |
| September 30, 2025 | 15.40% | 0.44% | 0.70% | 96.82% |
| June 30, 2025 | 14.83% | 0.59% | 0.33% | 91.78% |
| March 31, 2025 | 15.21% | 0.20% | 0.27% | 94.71% |
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.