TellerScore

Goetz Credit Union (NCUA charter #63606) is based in St Joseph, Missouri. Its Q2 2026 call report shows $89.6M in total assets and $75.4M in member shares and deposits and 1 office.

Goetz Credit Union has a TellerScore of 85 out of 100 (very strong) based on Q2 2026 data — higher than 77% of its 2,479 credit unions with under $100 million in assets. Among 87 credit unions headquartered in Missouri, it ranks 11th. Capital cushion contributes the most (100/100, 15.71%); earnings contributes the least (58/100, 0.95%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.71%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.50%
Earnings58/100
Return on assets (annualized): 0.95%
Funding & liquidity90/100
Loans ÷ shares: 70.5% · 0.5% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.91%

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 6 points (91 → 85), mostly because the earnings component weakened by 15 points.

TellerScore
858891Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202489
Q4 202488
Q1 202585
Q2 202591
Q3 202588
Q4 202588
Q1 202685
Q2 202685
Net worth ratio
7.00%11.36%15.71%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.41%
Q3 202414.80%
Q4 202415.00%
Q1 202514.52%
Q2 202515.08%
Q3 202515.51%
Q4 202515.50%
Q1 202615.24%
Q2 202615.71%
Delinquent loans (60+ days)
0.24%0.44%0.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.62%
Q3 20240.55%
Q4 20240.59%
Q1 20250.57%
Q2 20250.24%
Q3 20250.64%
Q4 20250.35%
Q1 20260.58%
Q2 20260.50%
Return on assets
0.91%1.27%1.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.42%
Q3 20241.62%
Q4 20241.41%
Q1 20251.19%
Q2 20251.32%
Q3 20251.41%
Q4 20251.21%
Q1 20260.91%
Q2 20260.95%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$89.6M15.71%0.50%0.95%70.5%
Q1 202685$90.9M15.24%0.58%0.91%68.6%
Q4 202588$88.1M15.50%0.35%1.21%73.0%
Q3 202588$87.1M15.51%0.64%1.41%73.8%
Q2 202591$87.3M15.08%0.24%1.32%72.6%
Q1 202585$88.3M14.52%0.57%1.19%71.0%
Q4 202488$83.7M15.00%0.59%1.41%74.7%
Q3 202489$83.7M14.80%0.55%1.62%76.4%
Q2 202485$83.1M14.41%0.62%1.42%79.1%

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).

Capital ratio15.71%
59th
Problem loans0.50%
58th
Net charge-offs0.27%
41st
Return on assets0.95%
65th
Loans to deposits70.5%
32nd
Uninsured deposits0.5%
59th
Loan-loss reserves0.00%
37th
Texas ratio1.9%
53rd

Similar-size credit unions in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Csd Credit UnionCredit union Kansas City, MO72 out of 100, Strong$90.5M11.2%0.47%vs
Multi-States Credit UnionCredit union Springfield, MO78 out of 100, Strong$90.9M12.5%0.36%vs
Volt Credit UnionCredit union Springfield, MO56 out of 100, Moderate$85.8M8.4%0.14%vs
Postal & Community Credit UnionCredit union Saint Joseph, MO69 out of 100, Moderate$94.7M9.9%0.38%vs
Educational Community Credit UnionCredit union Springfield, MO65 out of 100, Moderate$77.7M9.8%0.86%vs
Foundation Credit UnionCredit union Springfield, MO79 out of 100, Strong$76.6M14.3%0.33%vs

Deposit insurance

Is my money safe at Goetz Credit Union?

Yes. Goetz Credit Union is a federally insured credit union (NCUA charter #63606). 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 0.5% of shares and deposits ($358K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 15.71%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Goetz Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Goetz Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
63606
RSSD ID
719692
Primary regulator
State + NCUA
Established
1937
Headquarters
1905 Howard, St Joseph, MO 64501
Employees
13

Quick answers

Goetz Credit Union: common questions

Is Goetz Credit Union NCUA insured?

Yes. Goetz Credit Union is a federally insured credit union (NCUA charter #63606). 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 Goetz Credit Union's TellerScore?

85 out of 100 (Very strong), 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 Goetz Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near St Joseph

InstitutionScoreAssetsCapitalProblem loansCompare
District One Highway Credit UnionCredit union Saint Joseph, MO94 out of 100, Very strong$30.5M18.8%0.00%vs
Exchange Bank & TrustBank Atchison, KS88 out of 100, Very strong$626.8M13.0%0.23%vs
The Nodaway Valley BankBank Maryville, MO87 out of 100, Very strong$1.6B11.6%0.00%vs
HNB National BankBank Hannibal, MO81 out of 100, Strong$1.3B9.7%0.06%vs
St. Joseph Teachers' Credit UnionCredit union Saint Joseph, MO78 out of 100, Strong$8.7M10.9%0.29%vs
Connections BankBank Platte City, MO78 out of 100, Strong$516.6M9.8%0.00%vs