Credit Union Safety Analysis
Is Goetz Credit Union Safe? Saint Joseph, Missouri
Based on its Q2 2026 NCUA 5300 call report, Goetz Credit Union has a net worth ratio of 15.71%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.50%, 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, Goetz Credit Union's net worth ratio is 15.71%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.71%
- Delinquency ratio (60+ days) (Q2 2026): 0.50%
- Return on assets (Q2 2026): 0.97%
- Loan-to-share ratio (Q2 2026): 70.54%
Goetz Credit Union (NCUA charter 63606, established 1937) reported $89.6M in assets and 13,319 members for Q2 2026 from Saint Joseph, Missouri. It ranks 33 of 85 credit unions in Missouri by total assets. Total assets grew 2.6% from $87.3M on June 30, 2025. It has 76 fewer members than on June 30, 2025 (-0.6%). Its net worth ratio was up 0.63 percentage points from 15.08% on June 30, 2025. Used vehicle loans are its largest loan category, $31.6M of $53.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.50% 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: 15.24% for Q1 2026; 15.08% 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: 0.58% for Q1 2026; 0.24% 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: 0.91% for Q1 2026; 1.45% 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: 68.60% for Q1 2026; 72.59% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $31.6M
- New vehicle loans: $7.1M
- Other secured non-real estate loans and lines of credit: $5.8M
- 1- to 4-family residential and other consumer real estate loans: $5.0M
- Other unsecured loans and lines of credit: $3.5M
- Unsecured credit card loans: $248K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $89.6M | 15.71% | 0.50% | 0.97% | 70.54% |
| March 31, 2026 | $90.9M | 15.24% | 0.58% | 0.91% | 68.60% |
| December 31, 2025 | $88.1M | 15.50% | 0.35% | 0.63% | 73.01% |
| September 30, 2025 | $87.1M | 15.51% | 0.64% | 1.59% | 73.78% |
| June 30, 2025 | $87.3M | 15.08% | 0.24% | 1.45% | 72.59% |
| March 31, 2025 | $88.3M | 14.52% | 0.57% | 1.19% | 70.98% |
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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.
Regulator records: NCUA credit union profile (charter 63606) · FFIEC NIC profile (RSSD 719692)
Frequently asked questions
Is Goetz Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Goetz Credit Union's net worth ratio is 15.71%, above the 7% NCUA threshold for well capitalized.
Is Goetz Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Goetz Credit Union is a federally insured credit union (NCUA charter 63606): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Goetz Credit Union's key safety ratios?
For Q2 2026, Goetz Credit Union reports net worth 15.71%, delinquency 0.50%, ROA 0.97%, loan-to-share 70.54%.
What happens to my money if Goetz Credit Union fails?
For Q2 2026, Goetz Credit Union held $75.4M in shares and deposits for 13,319 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.