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Missouri Credit Union Performance
How the 89 credit unions based in Missouri are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
Missouri's 89 credit unions serve 1,370,218 members and hold $19.40B in combined assets. The median Missouri credit union earned a 0.69% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Missouri credit unions was -0.17%, compared with -0.55% nationally. Median one-year asset growth was 3.54%, compared with 2.78% nationally. So far this year, one Missouri credit union has completed a merger. Figures are from the Q1 2026 NCUA Call Report.
Missouri at a glance
Missouri vs. the United States
System totals are the sum of every credit union based in Missouri. The share column is Missouri's portion of the national figure.
| Measure | Missouri | United States | Missouri share |
|---|---|---|---|
| Credit unions | 89 | 4,335 | 2.1% |
| Members | 1,370,218 | 147,031,529 | 0.9% |
| Residents (population) | 6,245,466 | 340,110,988 | 1.8% |
| Total assets | $19.40B | $2,507.50B | 0.8% |
| Total loans | $13.31B | $1,744.86B | 0.8% |
| Total shares & deposits | $16.99B | $2,143.21B | 0.8% |
| Total net worth | $1.94B | $282.23B | 0.7% |
| Mergers year-to-date | 1 | 27 | — |
Membership reach. Missouri credit unions report about 22 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Missouri credit unions serve members in other states, so it overstates true in-state penetration.)
The median Missouri credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Missouri CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.69% | 0.66% |
| Net worth ratio | 11.27% | 12.44% |
| Loan-to-share ratio | 71.58% | 67.86% |
| Delinquency ratio | 0.57% | 0.63% |
| Net charge-off ratio | 0.31% | 0.33% |
| Cost of funds | 1.06% | 1.05% |
| Member growth (1 yr) | -0.17% | -0.55% |
| Asset growth (1 yr) | 3.54% | 2.78% |
| Loan growth (1 yr) | 0.88% | 0.63% |
| Share growth (1 yr) | 3.27% | 2.36% |
| Net worth growth (1 yr) | 6.16% | 5.57% |
Trends over time
The median Missouri credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.76% · 0.72%
— Missouri ‑‑ U.S.
Net worth ratio 11.58% · 12.46%
— Missouri ‑‑ U.S.
Loan-to-share ratio 74.15% · 69.70%
— Missouri ‑‑ U.S.
Delinquency ratio 0.70% · 0.72%
— Missouri ‑‑ U.S.
Asset growth (1 yr) 4.35% · 3.26%
— Missouri ‑‑ U.S.
Member growth (1 yr) -0.13% · -0.52%
— Missouri ‑‑ U.S.
Missouri leaderboards
Largest by assets
- 1 First Community Credit Union $4.99B
- 2 Anheuser-Busch Employees Credit Union $2.72B
- 3 River Region Credit Union $1.43B
- 4 Vantage Credit Union $1.15B
- 5 St. Louis Postal Credit Union $571.9M
- 6 West Community Credit Union $498.8M
- 7 Infuze Credit Union $452.1M
- 8 Assemblies of God Credit Union $446.7M
- 9 St. Louis Community Credit Union $442.9M
- 10 Alliance Credit Union $422.0M
Highest return on assets
- 1 Joplin Metro Credit Union 1.98%
- 2 River Region Credit Union 1.70%
- 3 Poplar Bluff Credit Union 1.68%
- 4 Missouri Electric Cooperatives Empl Credit Union 1.49%
- 5 Postal & Community Credit Union 1.26%
- 6 Rolla Credit Union 1.23%
- 7 United Consumers Credit Union 1.23%
- 8 Conservation Employees Credit Union 1.16%
- 9 Employment Security Credit Union 1.15%
- 10 Century Credit Union 1.01%
Fastest-growing (organic)
- 1 River Region Credit Union 93.58%
- 2 Rolla Credit Union 18.01%
- 3 Missouri Electric Cooperatives Empl Credit Union 12.78%
- 4 Alliance Credit Union 12.51%
- 5 1st Financial Credit Union 10.66%
- 6 Conservation Employees Credit Union 10.61%
- 7 CSD Credit Union 9.81%
- 8 Postal & Community Credit Union 9.52%
- 9 Joplin Metro Credit Union 9.31%
- 10 Century Credit Union 8.99%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Missouri that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.