Missouri Baptist Credit Union
Total assets
$10.5M
▲ +12.9% YoY
Shares & deposits
$9.8M
▲ +13.7% YoY
Loans
$7.3M
▲ +3.3% YoY
Members
1,046
▲ +11.0% YoY
ROA (annualized)
0.32%
peers 0.60%
ROE (annualized)
4.68%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.9% | +1.3% | +11.6 pts |
| Share growth (YoY) | +13.7% | +0.7% | +13.1 pts |
| Loan growth (YoY) | +3.3% | -2.4% | +5.6 pts |
| ROA | 0.32% | 0.60% | -0.3 pts |
| ROE | 4.7% | 4.1% | +0.6 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
Profile
- Established
- 1963
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 400 E High Street, Jefferson City, MO, 65101
- NCUA charter #
- 64718
- RSSD ID
- 986195
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.5M | $9.8M | $7.3M | $715K | $8K | 0.32% | 2.88% | 0.56% | 1,046 |
| Q4 2025 | $9.8M | $9.1M | $7.5M | $707K | $69K | 0.71% | 3.04% | 0.62% | 938 |
| Q3 2025 | $9.5M | $8.8M | $7.6M | $694K | $56K | 0.79% | 3.10% | 0.30% | 938 |
| Q2 2025 | $9.8M | $9.1M | $7.3M | $664K | $26K | 0.53% | 2.48% | 0.48% | 947 |
| Q1 2025 | $9.3M | $8.6M | $7.1M | $664K | $26K | 1.11% | 2.85% | 0.53% | 942 |
| Q4 2024 | $9.1M | $8.2M | $7.1M | $638K | $38K | 0.42% | 2.85% | 0.80% | 941 |
| Q3 2024 | $9.1M | $8.2M | $7.0M | $627K | $27K | 0.39% | 2.71% | 1.86% | 935 |
| Q2 2024 | $9.1M | $8.5M | $6.8M | $613K | $13K | 0.28% | 2.66% | 2.03% | 937 |
Loan mix (Q1 2026): real estate $1.8M · commercial $0 · consumer $3.9M · securities $1.9M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.88% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.1% | 81.5% | — | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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