Sikeston Public Schools Credit Union Sikeston, Missouri
Sikeston Public Schools Credit Union is a state-chartered credit union headquartered in Sikeston, MO, established in 1976 (NCUA charter 63830), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,192 members and total assets of $5.5M (down 5.4% from Q2 2025), the 78th largest of 85 credit unions headquartered in Missouri. Its net worth ratio was 18.91% at Q2 2026, in the well capitalized band.
Also written as Sikeston Public Schools 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
- 63830
- Headquarters
- Sikeston, MO
- Established
- 1976
- Total assets, Q2 2026
- $5.5M
- Assets vs Q2 2025
- -5.4%
- Members, Q2 2026
- 1,192
- Net worth ratio, Q2 2026
- 18.91%
- Latest call report
- Q2 2026, NCUA 5300 · Sikeston Public Schools Credit Union call report
- Asset rank in state
- 78th of 85 in Missouri
- Branches
- 1
It has 14 more members than on June 30, 2025 (+1.2%). Its net worth ratio was up 2.50 percentage points from 16.41% on June 30, 2025. Used vehicle loans are its largest loan category, $1.2M of $2.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.89% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 18.91% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Missouri
Frequently asked about Sikeston Public Schools Credit Union
How big is Sikeston Public Schools Credit Union?
At Q2 2026 it reported total assets of $5.5M and 1,192 members.
Where is Sikeston Public Schools Credit Union headquartered?
It is headquartered in Sikeston, MO, United States.
When was Sikeston Public Schools Credit Union founded?
It was established in 1976, per NCUA records.
Is Sikeston Public Schools Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 63830): 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 Sikeston Public Schools 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 Sikeston Public Schools Credit Union well capitalized?
Its net worth ratio was 18.91% 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 Sikeston Public Schools Credit Union's delinquency ratio?
Its delinquency ratio was 1.89% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Sikeston Public Schools Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 56.47% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Sikeston, MO 63801
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1976
- NCUA Charter #
- 63830
- RSSD ID
- 646396
- Members
- 1,192
- Potential members
- 1,920
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 3 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 18.91% | 14.31% | 73rd above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.72% | 0.72% | 86th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 9.09% | 4.74% | 77th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.67% | 3.93% | 40th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 45.21% | 79.83% | over 90th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.34% | 0.78% | 22nd bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.89% | 0.86% | 26th below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.01% | 4.70% | 62nd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 56.47% | 58.92% | 46th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$5.5M total assets against $5.8M; $4.5M total shares and deposits against $4.9M; $2.5M total loans against $2.8M.
$1.0M net worth against $954K.
18.91% net worth ratio against 16.41%.
56.47% loan-to-share ratio against 57.48%.
1.89% delinquency ratio against 0.85%.
1.72% return on assets against 1.47%; 9.09% return on equity against 8.96%.
3.67% net interest margin against 3.28%.
1,192 members against 1,178.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 18.91% | 1.72% | 1.89% | 56.47% |
| March 31, 2026 | 18.56% | 1.22% | 1.90% | 57.79% |
| December 31, 2025 | 17.73% | 1.50% | 1.00% | 57.64% |
| September 30, 2025 | 17.28% | 1.73% | 0.99% | 58.65% |
| June 30, 2025 | 16.41% | 1.47% | 0.85% | 57.48% |
| March 31, 2025 | 17.52% | 0.83% | 0.67% | 62.36% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
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.