TellerScore

M O Federal Credit Union (NCUA charter #7020) is based in Huron, South Dakota. Its Q2 2026 call report shows $40.9M in total assets and $34.8M in member shares and deposits and 1 office.

M O Federal Credit Union has a TellerScore of 88 out of 100 (very strong) based on Q2 2026 data — higher than 85% of its 2,479 credit unions with under $100 million in assets. Among 33 credit unions headquartered in South Dakota, it ranks 2nd. Funding & liquidity contributes the most (98/100, 63% loans-to-deposits, 1% uninsured); earnings contributes the least (67/100, 1.17%).

TellerScore · Q2 2026

Scorecard

Capital cushion91/100
Net worth ratio: 14.12%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.30%
Earnings67/100
Return on assets (annualized): 1.17%
Funding & liquidity98/100
Loans ÷ shares: 62.5% · 1.3% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.13%

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 (82 → 88), mostly because the capital cushion component improved by 20 points.

TellerScore
768288Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202478
Q3 202479
Q4 202476
Q1 202576
Q2 202582
Q3 202587
Q4 202588
Q1 202688
Q2 202688
Net worth ratio
7.00%10.56%14.12%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202411.29%
Q3 202411.86%
Q4 202411.73%
Q1 202511.62%
Q2 202512.13%
Q3 202512.76%
Q4 202513.04%
Q1 202613.68%
Q2 202614.12%
Delinquent loans (60+ days)
0.01%0.20%0.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.01%
Q3 20240.08%
Q4 20240.38%
Q1 20250.36%
Q2 20250.35%
Q3 20250.17%
Q4 20250.06%
Q1 20260.25%
Q2 20260.30%
Return on assets
0.61%0.99%1.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.61%
Q3 20240.70%
Q4 20240.71%
Q1 20250.72%
Q2 20251.29%
Q3 20251.36%
Q4 20251.30%
Q1 20261.27%
Q2 20261.17%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$40.9M14.12%0.30%1.17%62.5%
Q1 202688$41.4M13.68%0.25%1.27%62.0%
Q4 202588$42.4M13.04%0.06%1.30%60.8%
Q3 202587$42.4M12.76%0.17%1.36%60.6%
Q2 202582$43.3M12.13%0.35%1.29%57.7%
Q1 202576$43.5M11.62%0.36%0.72%58.2%
Q4 202476$42.4M11.73%0.38%0.71%59.9%
Q3 202479$41.3M11.86%0.08%0.70%60.3%
Q2 202478$42.6M11.29%0.01%0.61%58.4%

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 ratio14.12%
49th
Problem loans0.30%
68th
Net charge-offs0.41%
31st
Return on assets1.17%
75th
Loans to deposits62.5%
44th
Uninsured deposits1.3%
51st
Loan-loss reserves0.00%
37th
Texas ratio1.1%
64th

Similar-size credit unions in South Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Sioux Valley Coop Federal Credit UnionCredit union Watertown, SD83 out of 100, Strong$40.7M20.6%1.10%vs
East River Federal Credit UnionCredit union Madison, SD71 out of 100, Strong$41.9M11.1%1.19%vs
Ft Randall Federal Credit UnionCredit union Wagner, SD81 out of 100, Strong$44.2M17.5%1.12%vs
Dakota Star Federal Credit UnionCredit union Rapid City, SD64 out of 100, Moderate$44.9M9.0%0.93%vs
Oahe Federal Credit UnionCredit union Pierre, SD87 out of 100, Very strong$45.1M16.2%1.03%vs
Avanti Federal Credit UnionCredit union Watertown, SD51 out of 100, Below average$31.8M11.3%4.00%vs

Deposit insurance

Is my money safe at M O Federal Credit Union?

Yes. M O Federal Credit Union is a federally insured credit union (NCUA charter #7020). 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 1.3% of shares and deposits ($458K) 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 14.12%, 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

M O Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
M O Federal Credit Union
Type
Federal credit union
NCUA charter #
7020
RSSD ID
254380
Primary regulator
NCUA
Established
1950
Headquarters
1730 Dakota Ave S, Huron, SD 57350
Employees
6

Quick answers

M O Federal Credit Union: common questions

Is M O Federal Credit Union NCUA insured?

Yes. M O Federal Credit Union is a federally insured credit union (NCUA charter #7020). 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 M O Federal Credit Union's TellerScore?

88 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 M O Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Huron

InstitutionScoreAssetsCapitalProblem loansCompare
Huron Area Education Federal Credit UnionCredit union Huron, SD87 out of 100, Very strong$18.8M12.4%0.00%vs
First National BankBank Fort Pierre, SD84 out of 100, Strong$2.0B21.9%0.69%vs
Dakotaland Federal Credit UnionCredit union Huron, SD76 out of 100, Strong$751.6M10.9%0.57%vs
American Bank & TrustBank Sioux Falls, SD72 out of 100, Strong$2.2B11.3%0.57%vs
BMO Bank National AssociationBank Chicago, IL58 out of 100, Moderate$255.0B11.3%0.92%vs
Wells Fargo Bank, National AssociationBank Sioux Falls, SD58 out of 100, Moderate$1.9T8.0%1.04%vs