Credit Union Safety Analysis
Is Show-Me Credit Union Safe? Mexico, Missouri
Based on its Q2 2026 NCUA 5300 call report, Show-Me Credit Union has a net worth ratio of 13.17%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.68%, 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, Show-Me Credit Union's net worth ratio is 13.17%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.17%
- Delinquency ratio (60+ days) (Q2 2026): 0.68%
- Return on assets (Q2 2026): 0.82%
- Loan-to-share ratio (Q2 2026): 49.74%
Show-Me Credit Union (NCUA charter 62960, established 1954) reported $43.7M in assets and 2,637 members for Q2 2026 from Mexico, Missouri. It ranks 45 of 85 credit unions in Missouri by total assets. Total assets grew 24.2% from $35.2M on June 30, 2025. It has 564 fewer members than on June 30, 2025 (-17.6%). Its net worth ratio was down 2.05 percentage points from 15.22% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $10.4M of $19.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.68% 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: 13.19% for Q1 2026; 15.22% 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: 0.07% for Q1 2026; 1.97% 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: 1.82% for Q1 2026; 1.88% 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: 52.25% for Q1 2026; 63.20% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $10.4M
- Used vehicle loans: $5.5M
- New vehicle loans: $954K
- Other secured non-real estate loans and lines of credit: $816K
- Unsecured credit card loans: $763K
- Other unsecured loans and lines of credit: $688K
- Commercial loans: $51K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $43.7M | 13.17% | 0.68% | 0.82% | 49.74% |
| March 31, 2026 | $42.8M | 13.19% | 0.07% | 1.82% | 52.25% |
| December 31, 2025 | $38.9M | 14.07% | 0.27% | -0.36% | 57.09% |
| September 30, 2025 | $36.5M | 14.99% | 1.48% | 1.26% | 61.78% |
| June 30, 2025 | $35.2M | 15.22% | 1.97% | 1.88% | 63.20% |
| March 31, 2025 | $34.9M | 14.90% | 1.00% | 2.07% | 64.90% |
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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 62960) · FFIEC NIC profile (RSSD 270791)
Frequently asked questions
Is Show-Me Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Show-Me Credit Union's net worth ratio is 13.17%, above the 7% NCUA threshold for well capitalized.
Is Show-Me Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Show-Me Credit Union is a federally insured credit union (NCUA charter 62960): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Show-Me Credit Union's key safety ratios?
For Q2 2026, Show-Me Credit Union reports net worth 13.17%, delinquency 0.68%, ROA 0.82%, loan-to-share 49.74%.
What happens to my money if Show-Me Credit Union fails?
For Q2 2026, Show-Me Credit Union held $38.5M in shares and deposits for 2,637 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.