TellerScore

Headquartered in Jefferson City, Missouri, Missouri Baptist Credit Union is a federally insured state-chartered credit union with $10.4M in total assets and $9.7M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1963.

Based on its Q2 2026 filing, Missouri Baptist Credit Union scores 35/100, which we describe as low. That is higher than only 2% of 2,479 credit unions with under $100 million in assets. Among 87 credit unions headquartered in Missouri, it ranks 85th. Its strongest component is funding & liquidity (86/100; 75% loans-to-deposits, 5% uninsured), and its lowest is loan quality (15/100; 2.54%).

TellerScore · Q2 2026

Scorecard

Capital cushion22/100
Net worth ratio: 7.23%
Loan quality15/100
Loans 60+ days delinquent ÷ total loans: 2.54%
Earnings35/100
Return on assets (annualized): 0.38%
Funding & liquidity86/100
Loans ÷ shares: 74.6% · 5.0% uninsured
Problem-loan coverage51/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 24.43%

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 20 points (55 → 35), mostly because the loan quality component weakened by 69 points.

TellerScore
354860Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202437
Q3 202440
Q4 202451
Q1 202560
Q2 202555
Q3 202560
Q4 202556
Q1 202654
Q2 202635
Net worth ratio
6.72%7.01%7.31%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20246.72%
Q3 20246.87%
Q4 20247.04%
Q1 20257.14%
Q2 20256.80%
Q3 20257.31%
Q4 20257.21%
Q1 20266.82%
Q2 20267.23%
Delinquent loans (60+ days)
0.30%1.42%2.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.03%
Q3 20241.86%
Q4 20240.80%
Q1 20250.53%
Q2 20250.48%
Q3 20250.30%
Q4 20250.62%
Q1 20260.56%
Q2 20262.54%
Return on assets
0.28%0.69%1.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.28%
Q3 20240.39%
Q4 20240.42%
Q1 20251.11%
Q2 20250.53%
Q3 20250.79%
Q4 20250.71%
Q1 20260.32%
Q2 20260.38%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202635$10.4M7.23%2.54%0.38%74.6%
Q1 202654$10.5M6.82%0.56%0.32%74.8%
Q4 202556$9.8M7.21%0.62%0.71%82.2%
Q3 202560$9.5M7.31%0.30%0.79%86.7%
Q2 202555$9.8M6.80%0.48%0.53%80.9%
Q1 202560$9.3M7.14%0.53%1.11%82.4%
Q4 202451$9.1M7.04%0.80%0.42%86.7%
Q3 202440$9.1M6.87%1.86%0.39%85.6%
Q2 202437$9.1M6.72%2.03%0.28%80.0%

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 ratio7.23%
2nd
Problem loans2.54%
16th
Net charge-offs0.43%
30th
Return on assets0.38%
36th
Loans to deposits74.6%
26th
Uninsured deposits5.0%
21st
Loan-loss reserves0.34%
76th
Texas ratio24.4%
3rd

Similar-size credit unions in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Northwest Missouri Regional Credit UnionCredit union Maryville, MO74 out of 100, Strong$11.2M11.7%0.18%vs
K.C. Area Credit UnionCredit union Kansas City, MO76 out of 100, Strong$11.4M17.2%1.09%vs
South Central Missouri Credit UnionCredit union Willow Springs, MO71 out of 100, Strong$9.2M15.8%1.66%vs
St. Joseph Teachers' Credit UnionCredit union Saint Joseph, MO78 out of 100, Strong$8.7M10.9%0.29%vs
Community First Credit UnionCredit union Hannibal, MO65 out of 100, Moderate$8.5M11.5%0.26%vs
Kc Unidos Federal Credit UnionCredit union Kansas City, MO74 out of 100, Strong$8.5M29.2%0.65%vs

Deposit insurance

Is my money safe at Missouri Baptist Credit Union?

Yes. Missouri Baptist Credit Union is a federally insured credit union (NCUA charter #64718). 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 5.0% of shares and deposits ($488K) 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 7.23%, slightly 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

Missouri Baptist Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Missouri Baptist Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64718
RSSD ID
986195
Primary regulator
State + NCUA
Established
1963
Headquarters
400 E High Street, Jefferson City, MO 65101
Employees
3

Quick answers

Missouri Baptist Credit Union: common questions

Is Missouri Baptist Credit Union NCUA insured?

Yes. Missouri Baptist Credit Union is a federally insured credit union (NCUA charter #64718). 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 Missouri Baptist Credit Union's TellerScore?

35 out of 100 (Low), 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 Missouri Baptist Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Jefferson City

InstitutionScoreAssetsCapitalProblem loansCompare
Knox Co. Employees Credit UnionCredit union Knoxville, TN96 out of 100, Very strong$12.5M18.8%0.04%vs
Our Lady of Snows Credit UnionCredit union Henley, MO96 out of 100, Very strong$4.6M15.3%0.00%vs
Farmers Bank of Lohman, MissouriBank Jefferson City, MO93 out of 100, Very strong$82.9M17.1%0.02%vs
Legends BankBank Linn, MO90 out of 100, Very strong$635.5M18.3%0.51%vs
The Maries County BankBank Vienna, MO89 out of 100, Very strong$600.5M14.8%0.12%vs
Civic Central Credit UnionCredit union Jefferson City, MO86 out of 100, Very strong$105.0M13.8%0.48%vs