Credit Union Safety Analysis
Is Foundation Credit Union Safe? Springfield, Missouri
Based on its Q2 2026 NCUA 5300 call report, Foundation Credit Union has a net worth ratio of 14.31%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.33%, 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, Foundation Credit Union's net worth ratio is 14.31%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.31%
- Delinquency ratio (60+ days) (Q2 2026): 0.33%
- Return on assets (Q2 2026): 0.42%
- Loan-to-share ratio (Q2 2026): 89.77%
Foundation Credit Union (NCUA charter 61157, established 1933) reported $76.6M in assets and 3,528 members for Q2 2026 from Springfield, Missouri. It ranks 36 of 85 credit unions in Missouri by total assets. Total assets grew 7.4% from $71.3M on June 30, 2025. 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.
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: 14.59% for Q1 2026; 14.83% 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: 0.15% for Q1 2026; 0.33% 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: 0.77% for Q1 2026; 0.59% 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: 91.05% for Q1 2026; 91.78% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $33.0M
- Used vehicle loans: $12.5M
- New vehicle loans: $8.6M
- Other secured non-real estate loans and lines of credit: $3.3M
- Commercial loans: $344K
- Other unsecured loans and lines of credit: $179K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $76.6M | 14.31% | 0.33% | 0.42% | 89.77% |
| March 31, 2026 | $74.6M | 14.59% | 0.15% | 0.77% | 91.05% |
| December 31, 2025 | $71.2M | 15.09% | 0.65% | 0.57% | 100.44% |
| September 30, 2025 | $69.2M | 15.40% | 0.70% | 0.44% | 96.82% |
| June 30, 2025 | $71.3M | 14.83% | 0.33% | 0.59% | 91.78% |
| March 31, 2025 | $68.8M | 15.21% | 0.27% | 0.20% | 94.71% |
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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.
Foundation Credit Union profile
Regulator records: NCUA credit union profile (charter 61157) · FFIEC NIC profile (RSSD 341299)
Frequently asked questions
Is Foundation Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Foundation Credit Union's net worth ratio is 14.31%, above the 7% NCUA threshold for well capitalized.
Is Foundation Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Foundation Credit Union is a federally insured credit union (NCUA charter 61157): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Foundation Credit Union's key safety ratios?
For Q2 2026, Foundation Credit Union reports net worth 14.31%, delinquency 0.33%, ROA 0.42%, loan-to-share 89.77%.
What happens to my money if Foundation Credit Union fails?
For Q2 2026, Foundation Credit Union held $64.5M in shares and deposits for 3,528 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.