TellerScore

Headquartered in Joplin, Missouri, Legacy Credit Union is a federally insured state-chartered credit union with $25.4M in total assets and $20.8M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1952.

Legacy Credit Union has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 65% of its 2,479 credit unions with under $100 million in assets. Among 87 credit unions headquartered in Missouri, it ranks 18th. Capital cushion contributes the most (100/100, 17.47%); loan quality contributes the least (47/100, 1.60%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.47%
Loan quality47/100
Loans 60+ days delinquent ÷ total loans: 1.60%
Earnings79/100
Return on assets (annualized): 1.47%
Funding & liquidity88/100
Loans ÷ shares: 72.2% · 2.2% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.39%

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 rose 6 points (74 → 80), mostly because the earnings component improved by 19 points.

TellerScore
748086Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202474
Q4 202479
Q1 202582
Q2 202574
Q3 202584
Q4 202579
Q1 202686
Q2 202680
Net worth ratio
7.00%12.23%17.47%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.02%
Q3 202415.76%
Q4 202416.08%
Q1 202515.99%
Q2 202515.93%
Q3 202516.73%
Q4 202516.92%
Q1 202617.09%
Q2 202617.47%
Delinquent loans (60+ days)
0.74%1.27%1.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.22%
Q3 20241.65%
Q4 20241.00%
Q1 20251.11%
Q2 20251.80%
Q3 20250.80%
Q4 20251.35%
Q1 20260.74%
Q2 20261.60%
Return on assets
0.76%1.11%1.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.76%
Q3 20240.89%
Q4 20240.81%
Q1 20251.26%
Q2 20251.00%
Q3 20251.16%
Q4 20251.19%
Q1 20261.33%
Q2 20261.47%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$25.4M17.47%1.60%1.47%72.2%
Q1 202686$25.4M17.09%0.74%1.33%71.4%
Q4 202579$25.1M16.92%1.35%1.19%73.6%
Q3 202584$24.9M16.73%0.80%1.16%73.7%
Q2 202574$25.6M15.93%1.80%1.00%70.3%
Q1 202582$25.2M15.99%1.11%1.26%73.3%
Q4 202479$24.6M16.08%1.00%0.81%75.5%
Q3 202474$24.9M15.76%1.65%0.89%70.9%
Q2 202478$20.8M15.02%1.22%0.76%65.5%

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 ratio17.47%
67th
Problem loans1.60%
27th
Net charge-offs0.27%
41st
Return on assets1.47%
84th
Loans to deposits72.2%
30th
Uninsured deposits2.2%
43rd
Loan-loss reserves0.00%
37th
Texas ratio5.4%
28th

Similar-size credit unions in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
County Credit UnionCredit union Clayton, MO64 out of 100, Moderate$25.9M11.6%0.99%vs
Highway Crossroads Credit UnionCredit union Sikeston, MO47 out of 100, Below average$24.4M14.6%4.65%vs
Leadco Community Credit UnionCredit union Farmington, MO73 out of 100, Strong$23.8M11.6%0.45%vs
United Labor Credit UnionCredit union Raytown, MO55 out of 100, Moderate$23.0M7.3%1.13%vs
Highway Alliance Credit UnionCredit union Jefferson city, MO73 out of 100, Strong$29.5M11.5%0.80%vs
District One Highway Credit UnionCredit union Saint Joseph, MO94 out of 100, Very strong$30.5M18.8%0.00%vs

Deposit insurance

Is my money safe at Legacy Credit Union?

Yes. Legacy Credit Union is a federally insured credit union (NCUA charter #64708). 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 2.2% of shares and deposits ($451K) 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 17.47%, 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

Legacy Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Legacy Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64708
RSSD ID
658296
Primary regulator
State + NCUA
Established
1952
Headquarters
3202 Indiana Ave, Joplin, MO 64804
Employees
6

Quick answers

Legacy Credit Union: common questions

Is Legacy Credit Union NCUA insured?

Yes. Legacy Credit Union is a federally insured credit union (NCUA charter #64708). 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 Legacy Credit Union's TellerScore?

80 out of 100 (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 Legacy Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Joplin

InstitutionScoreAssetsCapitalProblem loansCompare
Joplin Metro Credit UnionCredit union Joplin, MO89 out of 100, Very strong$57.8M17.7%0.78%vs
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