Credit Union Safety Analysis
Is Ozark Federal Credit Union Safe? Poplar Bluff, Missouri
Based on its Q2 2026 NCUA 5300 call report, Ozark Federal Credit Union has a net worth ratio of 11.63%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.18%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Ozark Federal Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Ozark Federal Credit Union's net worth ratio is 11.63%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.63%
- Delinquency ratio (60+ days) (Q2 2026): 0.18%
- Return on assets (Q2 2026): 1.91%
- Loan-to-share ratio (Q2 2026): 91.04%
Ozark Federal Credit Union (NCUA charter 7641, established 1952) reported $142.5M in assets and 21,175 members for Q2 2026 from Poplar Bluff, Missouri. It ranks 23 of 85 credit unions in Missouri by total assets. Total assets grew 19.5% from $119.2M on June 30, 2025. It has 4,403 more members than on June 30, 2025 (+26.3%). Its net worth ratio was up 0.66 percentage points from 10.97% on June 30, 2025. Used vehicle loans are its largest loan category, $51.4M of $113.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.18% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 11.11% for Q1 2026; 10.97% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.20% for Q1 2026; 0.31% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 1.52% for Q1 2026; 1.56% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 88.06% for Q1 2026; 82.48% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $51.4M
- 1- to 4-family residential and other consumer real estate loans: $39.8M
- Other secured non-real estate loans and lines of credit: $10.7M
- New vehicle loans: $6.4M
- Other unsecured loans and lines of credit: $4.8M
- Commercial loans: $572K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $142.5M | 11.63% | 0.18% | 1.91% | 91.04% |
| March 31, 2026 | $142.8M | 11.11% | 0.20% | 1.52% | 88.06% |
| December 31, 2025 | $138.1M | 11.18% | 0.23% | 1.11% | 89.06% |
| September 30, 2025 | $136.4M | 10.02% | 0.17% | 1.70% | 85.80% |
| June 30, 2025 | $119.2M | 10.97% | 0.31% | 1.56% | 82.48% |
| March 31, 2025 | $114.6M | 11.01% | 0.56% | 1.22% | 85.39% |
Add this badge to your website
Free to use. It shows Ozark Federal Credit Union’s latest filed figures and updates each quarter.
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.
Ozark Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 7641) · FFIEC NIC profile (RSSD 511485)
Frequently asked questions
Is Ozark Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Ozark Federal Credit Union's net worth ratio is 11.63%, above the 7% NCUA threshold for well capitalized.
Is Ozark Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Ozark Federal Credit Union is a federally insured credit union (NCUA charter 7641): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Ozark Federal Credit Union's key safety ratios?
For Q2 2026, Ozark Federal Credit Union reports net worth 11.63%, delinquency 0.18%, ROA 1.91%, loan-to-share 91.04%.
What happens to my money if Ozark Federal Credit Union fails?
For Q2 2026, Ozark Federal Credit Union held $124.8M in shares and deposits for 21,175 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.