Credit Union Safety Analysis
Is Missouri Baptist Credit Union Safe? Jefferson City, Missouri
Based on its Q2 2026 NCUA 5300 call report, Missouri Baptist Credit Union has a net worth ratio of 7.23%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.54%, 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, Missouri Baptist Credit Union's net worth ratio is 7.23%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 7.23%
- Delinquency ratio (60+ days) (Q2 2026): 2.54%
- Return on assets (Q2 2026): 0.44%
- Loan-to-share ratio (Q2 2026): 74.58%
Missouri Baptist Credit Union (NCUA charter 64718, established 1963) reported $10.4M in assets and 1,052 members for Q2 2026 from Jefferson City, Missouri. It ranks 69 of 85 credit unions in Missouri by total assets. Total assets grew 7.1% from $9.8M on June 30, 2025. 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.
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: 6.82% for Q1 2026; 6.80% 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: 0.56% for Q1 2026; 0.48% 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: 0.32% for Q1 2026; 0.01% 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: 74.84% for Q1 2026; 80.85% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $3.1M
- 1- to 4-family residential and other consumer real estate loans: $1.7M
- Non-federally guaranteed student loans: $1.1M
- New vehicle loans: $607K
- Other secured non-real estate loans and lines of credit: $546K
- Other unsecured loans and lines of credit: $213K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $10.4M | 7.23% | 2.54% | 0.44% | 74.58% |
| March 31, 2026 | $10.5M | 6.82% | 0.56% | 0.32% | 74.84% |
| December 31, 2025 | $9.8M | 7.21% | 0.62% | 0.53% | 82.23% |
| September 30, 2025 | $9.5M | 7.31% | 0.30% | 1.28% | 86.72% |
| June 30, 2025 | $9.8M | 6.80% | 0.48% | 0.01% | 80.85% |
| March 31, 2025 | $9.3M | 7.14% | 0.53% | 1.11% | 82.42% |
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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.
Missouri Baptist Credit Union profile
Regulator records: NCUA credit union profile (charter 64718) · FFIEC NIC profile (RSSD 986195)
Frequently asked questions
Is Missouri Baptist Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Missouri Baptist Credit Union's net worth ratio is 7.23%, above the 7% NCUA threshold for well capitalized.
Is Missouri Baptist Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Missouri Baptist Credit Union is a federally insured credit union (NCUA charter 64718): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Missouri Baptist Credit Union's key safety ratios?
For Q2 2026, Missouri Baptist Credit Union reports net worth 7.23%, delinquency 2.54%, ROA 0.44%, loan-to-share 74.58%.
What happens to my money if Missouri Baptist Credit Union fails?
For Q2 2026, Missouri Baptist Credit Union held $9.7M in shares and deposits for 1,052 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.