TellerScore

Joplin Metro Credit Union (NCUA charter #64691) is based in Joplin, Missouri. Its Q2 2026 call report shows $57.8M in total assets and $47.3M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, Joplin Metro Credit Union scores 89/100, which we describe as very strong. That is higher than 87% of 2,479 credit unions with under $100 million in assets. Among 87 credit unions headquartered in Missouri, it ranks 5th. Its strongest component is capital cushion (100/100; 17.73%), and its lowest is funding & liquidity (72/100; 89% loans-to-deposits, 1% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.73%
Loan quality74/100
Loans 60+ days delinquent ÷ total loans: 0.78%
Earnings100/100
Return on assets (annualized): 2.06%
Funding & liquidity72/100
Loans ÷ shares: 88.5% · 0.7% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.18%

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 2 points (91 → 89), mostly because the loan quality component weakened by 10 points.

TellerScore
899294Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202494
Q3 202494
Q4 202490
Q1 202589
Q2 202591
Q3 202592
Q4 202591
Q1 202691
Q2 202689
Net worth ratio
7.00%12.37%17.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.20%
Q3 202416.49%
Q4 202416.68%
Q1 202516.72%
Q2 202517.12%
Q3 202517.43%
Q4 202517.33%
Q1 202617.63%
Q2 202617.73%
Delinquent loans (60+ days)
0.15%0.46%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.15%
Q3 20240.19%
Q4 20240.57%
Q1 20250.55%
Q2 20250.47%
Q3 20250.30%
Q4 20250.48%
Q1 20260.46%
Q2 20260.78%
Return on assets
1.83%2.18%2.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.52%
Q3 20242.54%
Q4 20242.35%
Q1 20251.83%
Q2 20252.21%
Q3 20252.36%
Q4 20252.33%
Q1 20261.89%
Q2 20262.06%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$57.8M17.73%0.78%2.06%88.5%
Q1 202691$56.3M17.63%0.46%1.89%89.6%
Q4 202591$55.7M17.33%0.48%2.33%89.5%
Q3 202592$53.5M17.43%0.30%2.36%92.1%
Q2 202591$52.3M17.12%0.47%2.21%91.9%
Q1 202589$51.5M16.72%0.55%1.83%89.1%
Q4 202490$50.2M16.68%0.57%2.35%90.4%
Q3 202494$49.5M16.49%0.19%2.54%88.2%
Q2 202494$48.3M16.20%0.15%2.52%90.5%

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).

Capital ratio17.73%
68th
Problem loans0.78%
47th
Net charge-offs0.25%
42nd
Return on assets2.06%
95th
Loans to deposits88.5%
10th
Uninsured deposits0.7%
57th
Loan-loss reserves0.00%
37th
Texas ratio3.2%
41st

Similar-size credit unions in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Horizon Credit UnionCredit union Macon, MO68 out of 100, Moderate$58.8M11.8%0.84%vs
Raytown-Lee'S Summit Community Credit UnionCredit union Raytown, MO61 out of 100, Moderate$60.1M8.7%0.83%vs
City Credit UnionCredit union Independence, MO61 out of 100, Moderate$65.5M11.9%1.90%vs
Kansas City Credit UnionCredit union Kansas City, MO41 out of 100, Below average$46.4M8.6%2.57%vs
Holy Rosary Credit UnionCredit union Kansas City, MO42 out of 100, Below average$45.4M11.8%3.01%vs
Show-Me Credit UnionCredit union Mexico, MO83 out of 100, Strong$43.7M13.2%0.68%vs

Deposit insurance

Is my money safe at Joplin Metro Credit Union?

Yes. Joplin Metro Credit Union is a federally insured credit union (NCUA charter #64691). 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 0.7% of shares and deposits ($318K) 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 17.73%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Joplin Metro Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
JOPLIN METRO CREDIT UNION CLASSIC VISA12.90%$0—0.0%
JOPLIN METRO CREDIT UNION PLATINUM VISA10.90%$0—0.0%
JOPLIN METRO CREDIT UNION PREFERRED CLASSIC VISA11.50%$0—0.0%
JOPLIN METRO CREDIT UNION SECURED VISA15.90%$0—0.0%

All Joplin Metro Credit Union card terms

Identity & history

Profile

Legal name
Joplin Metro Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64691
RSSD ID
983596
Primary regulator
State + NCUA
Established
1950
Headquarters
3301 Texas Ave, Joplin, MO 64804
Employees
19

Quick answers

Joplin Metro Credit Union: common questions

Is Joplin Metro Credit Union NCUA insured?

Yes. Joplin Metro Credit Union is a federally insured credit union (NCUA charter #64691). 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 Joplin Metro Credit Union's TellerScore?

89 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 Joplin Metro Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Joplin

InstitutionScoreAssetsCapitalProblem loansCompare
Service 1 Federal Credit UnionCredit union Muskegon, MI89 out of 100, Very strong$198.5M18.6%0.42%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
The Baxter State BankBank Baxter Springs, KS84 out of 100, Strong$25.2M19.7%1.11%vs
Exchange State BankBank Saint Paul, KS84 out of 100, Strong$105.0M11.6%0.00%vs
The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK83 out of 100, Strong$446.2M13.9%0.45%vs
The First National Bank and Trust Company of MiamiBank Miami, OK82 out of 100, Strong$191.4M13.4%0.60%vs