Missouri Baptist Credit Union Jefferson City, Missouri
Missouri Baptist Credit Union is a state-chartered credit union headquartered in Jefferson City, MO, established in 1963 (NCUA charter 64718), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,052 members and total assets of $10.4M (up 7.1% from Q2 2025), the 69th largest of 85 credit unions headquartered in Missouri. Its net worth ratio was 7.23% at Q2 2026, in the well capitalized band.
Also written as Missouri Baptist 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
- 64718
- Headquarters
- Jefferson City, MO
- Established
- 1963
- Total assets, Q2 2026
- $10.4M
- Assets vs Q2 2025
- +7.1%
- Members, Q2 2026
- 1,052
- Net worth ratio, Q2 2026
- 7.23%
- Latest call report
- Q2 2026, NCUA 5300 · Missouri Baptist Credit Union call report
- Asset rank in state
- 69th of 85 in Missouri
- Routing number
- 286580894
- Branches
- 1
It has 105 more members than on June 30, 2025 (+11.1%). Its net worth ratio was up 0.43 percentage points from 6.80% on June 30, 2025. Used vehicle loans are its largest loan category, $3.1M of $7.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.54% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 7.23% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Missouri
Frequently asked about Missouri Baptist Credit Union
How big is Missouri Baptist Credit Union?
At Q2 2026 it reported total assets of $10.4M and 1,052 members.
Where is Missouri Baptist Credit Union headquartered?
It is headquartered in Jefferson City, MO, United States.
When was Missouri Baptist Credit Union founded?
It was established in 1963, per NCUA records.
Is Missouri Baptist Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 64718): 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 Missouri Baptist 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 Missouri Baptist Credit Union well capitalized?
Its net worth ratio was 7.23% 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 Missouri Baptist Credit Union's delinquency ratio?
Its delinquency ratio was 2.54% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Missouri Baptist Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 74.58% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Jefferson City, MO 65101
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1963
- NCUA Charter #
- 64718
- RSSD ID
- 986195
- Members
- 1,052
- Potential members
- 225,000
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 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: 11.14% to 19.38% | 7.23% | 14.31% | under 10th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.44% | 0.72% | 37th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 6.27% | 4.74% | 60th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.01% | 3.93% | 17th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 85.56% | 79.83% | 38th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.95% | 0.78% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 2.54% | 0.86% | 20th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.97% | 4.70% | 61st position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 74.58% | 58.92% | 73rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$10.4M total assets against $9.8M; $9.7M total shares and deposits against $9.1M; $7.2M total loans against $7.3M.
$727K net worth against $664K.
7.23% net worth ratio against 6.80%.
74.58% loan-to-share ratio against 80.85%.
2.54% delinquency ratio against 0.48%.
0.44% return on assets against 0.01%; 6.27% return on equity against 0.11%.
3.01% net interest margin against 2.23%.
1,052 members against 947.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 7.23% | 0.44% | 2.54% | 74.58% |
| March 31, 2026 | 6.82% | 0.32% | 0.56% | 74.84% |
| December 31, 2025 | 7.21% | 0.53% | 0.62% | 82.23% |
| September 30, 2025 | 7.31% | 1.28% | 0.30% | 86.72% |
| June 30, 2025 | 6.80% | 0.01% | 0.48% | 80.85% |
| March 31, 2025 | 7.14% | 1.11% | 0.53% | 82.42% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
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.