De Soto Mo Pac Credit Union is a federally insured state-chartered credit union headquartered in De Soto, Missouri, in business for about 87 years. At the end of Q2 2026 it reported $30.5M in total assets and $27.4M in member shares and deposits, with 1 office.
De Soto Mo Pac Credit Union has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 19% of its 2,479 credit unions with under $100 million in assets. Among 87 credit unions headquartered in Missouri, it ranks 67th. Funding & liquidity contributes the most (85/100, 75% loans-to-deposits, 15% uninsured); earnings contributes the least (43/100, 0.58%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 10 points (68 → 58), mostly because the loan quality component weakened by 29 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 69 |
| Q4 2024 | 68 |
| Q1 2025 | 70 |
| Q2 2025 | 68 |
| Q3 2025 | 65 |
| Q4 2025 | 64 |
| Q1 2026 | 63 |
| Q2 2026 | 58 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.06% |
| Q3 2024 | 12.02% |
| Q4 2024 | 11.68% |
| Q1 2025 | 10.73% |
| Q2 2025 | 10.36% |
| Q3 2025 | 10.44% |
| Q4 2025 | 10.33% |
| Q1 2026 | 9.74% |
| Q2 2026 | 9.74% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.64% |
| Q3 2024 | 0.68% |
| Q4 2024 | 0.75% |
| Q1 2025 | 0.27% |
| Q2 2025 | 0.46% |
| Q3 2025 | 0.73% |
| Q4 2025 | 0.76% |
| Q1 2026 | 0.79% |
| Q2 2026 | 1.33% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.75% |
| Q3 2024 | 0.80% |
| Q4 2024 | 0.69% |
| Q1 2025 | 0.65% |
| Q2 2025 | 0.62% |
| Q3 2025 | 0.61% |
| Q4 2025 | 0.53% |
| Q1 2026 | 0.60% |
| Q2 2026 | 0.58% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 58 | $30.5M | 9.74% | 1.33% | 0.58% | 74.8% |
| Q1 2026 | 63 | $30.1M | 9.74% | 0.79% | 0.60% | 74.5% |
| Q4 2025 | 64 | $27.9M | 10.33% | 0.76% | 0.53% | 79.7% |
| Q3 2025 | 65 | $27.4M | 10.44% | 0.73% | 0.61% | 81.6% |
| Q2 2025 | 68 | $27.2M | 10.36% | 0.46% | 0.62% | 80.2% |
| Q1 2025 | 70 | $25.9M | 10.73% | 0.27% | 0.65% | 83.1% |
| Q4 2024 | 68 | $23.4M | 11.68% | 0.75% | 0.69% | 91.4% |
| Q3 2024 | 69 | $22.6M | 12.02% | 0.68% | 0.80% | 95.6% |
| Q2 2024 | 70 | $22.0M | 12.06% | 0.64% | 0.75% | 94.5% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| District One Highway Credit UnionCredit union Saint Joseph, MO | 94 out of 100, Very strong | $30.5M | 18.8% | 0.00% | vs |
| Highway Alliance Credit UnionCredit union Jefferson city, MO | 73 out of 100, Strong | $29.5M | 11.5% | 0.80% | vs |
| Columbia Credit UnionCredit union Columbia, MO | 77 out of 100, Strong | $34.4M | 9.9% | 0.07% | vs |
| County Credit UnionCredit union Clayton, MO | 64 out of 100, Moderate | $25.9M | 11.6% | 0.99% | vs |
| Legacy Credit UnionCredit union Joplin, MO | 80 out of 100, Strong | $25.4M | 17.5% | 1.60% | vs |
| Highway Crossroads Credit UnionCredit union Sikeston, MO | 47 out of 100, Below average | $24.4M | 14.6% | 4.65% | vs |
Deposit insurance
Is my money safe at De Soto Mo Pac Credit Union?
Yes. De Soto Mo Pac Credit Union is a federally insured credit union (NCUA charter #63507). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 15.2% of shares and deposits ($4.2M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 9.74%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
De Soto Mo Pac Credit Union lists 1 office in 1 city. Most locations:
- De Soto, MO (1)
Identity & history
Profile
- Legal name
- De Soto Mo Pac Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 63507
- RSSD ID
- 182193
- Primary regulator
- State + NCUA
- Established
- 1939
- Headquarters
- 2082 Rock Rd, De Soto, MO 63020
- Employees
- 7
Quick answers
De Soto Mo Pac Credit Union: common questions
Is De Soto Mo Pac Credit Union NCUA insured?
Yes. De Soto Mo Pac Credit Union is a federally insured credit union (NCUA charter #63507). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is De Soto Mo Pac Credit Union's TellerScore?
58 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does De Soto Mo Pac Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near De Soto
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| New Era BankBank Fredericktown, MO | 95 out of 100, Very strong | $453.1M | 14.0% | 0.02% | vs |
| Town & Country BankBank Salem, MO | 86 out of 100, Very strong | $747.7M | 12.4% | 0.35% | vs |
| Farmers and Merchants Bank of St. ClairBank Saint Clair, MO | 84 out of 100, Strong | $343.5M | 12.8% | 0.00% | vs |
| Commerce BankBank Kansas City, MO | 76 out of 100, Strong | $35.0B | 11.4% | 0.17% | vs |
| Ozarks Federal Savings and Loan AssociationBank Farmington, MO | 76 out of 100, Strong | $277.2M | 15.1% | 0.95% | vs |
| Belgrade State BankBank Belgrade, MO | 74 out of 100, Strong | $548.0M | 10.1% | 0.35% | vs |