Missouri Electric Cooperatives Empl (NCUA charter #67739) is based in Jefferson City, Missouri. Its Q2 2026 call report shows $396.8M in total assets and $344.0M in member shares and deposits and 1 office.
Based on its Q2 2026 filing, Missouri Electric Cooperatives Empl scores 82/100, which we describe as strong. That is higher than 82% of 1,341 credit unions with $100 million – $1 billion. Among 87 credit unions headquartered in Missouri, it ranks 15th. Its strongest component is problem-loan coverage (99/100; 0.7%), and its lowest is capital cushion (63/100; 11.32%).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (81 → 82).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 78 |
| Q4 2024 | 79 |
| Q1 2025 | 81 |
| Q2 2025 | 81 |
| Q3 2025 | 82 |
| Q4 2025 | 80 |
| Q1 2026 | 82 |
| Q2 2026 | 82 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.24% |
| Q3 2024 | 11.30% |
| Q4 2024 | 11.55% |
| Q1 2025 | 11.34% |
| Q2 2025 | 11.45% |
| Q3 2025 | 11.55% |
| Q4 2025 | 11.52% |
| Q1 2026 | 11.23% |
| Q2 2026 | 11.32% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.06% |
| Q3 2024 | 0.05% |
| Q4 2024 | 0.03% |
| Q1 2025 | 0.06% |
| Q2 2025 | 0.12% |
| Q3 2025 | 0.09% |
| Q4 2025 | 0.08% |
| Q1 2026 | 0.07% |
| Q2 2026 | 0.13% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.96% |
| Q3 2024 | 0.97% |
| Q4 2024 | 1.02% |
| Q1 2025 | 1.29% |
| Q2 2025 | 1.33% |
| Q3 2025 | 1.35% |
| Q4 2025 | 1.19% |
| Q1 2026 | 1.40% |
| Q2 2026 | 1.37% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $396.8M | 11.32% | 0.13% | 1.37% | 67.3% |
| Q1 2026 | 82 | $387.8M | 11.23% | 0.07% | 1.40% | 67.8% |
| Q4 2025 | 80 | $366.3M | 11.52% | 0.08% | 1.19% | 71.6% |
| Q3 2025 | 82 | $359.4M | 11.55% | 0.09% | 1.35% | 73.1% |
| Q2 2025 | 81 | $351.2M | 11.45% | 0.12% | 1.33% | 73.7% |
| Q1 2025 | 81 | $343.8M | 11.34% | 0.06% | 1.29% | 72.6% |
| Q4 2024 | 79 | $327.9M | 11.55% | 0.03% | 1.02% | 76.7% |
| Q3 2024 | 78 | $326.7M | 11.30% | 0.05% | 0.97% | 76.6% |
| Q2 2024 | 77 | $321.2M | 11.24% | 0.06% | 0.96% | 76.1% |
1,341 peers · $100 million – $1 billion
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).
Similar-size credit unions in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Alltru Federal Credit UnionCredit union Wentzville, MO | 41 out of 100, Below average | $400.6M | 9.4% | 2.38% | vs |
| Arsenal Credit UnionCredit union Arnold, MO | 55 out of 100, Moderate | $387.5M | 8.8% | 1.10% | vs |
| Blucurrent Credit UnionCredit union Springfield, MO | 65 out of 100, Moderate | $406.1M | 10.2% | 0.34% | vs |
| Alliance Credit UnionCredit union Fenton, MO | 66 out of 100, Moderate | $423.1M | 11.7% | 0.69% | vs |
| St. Louis Community Credit UnionCredit union Saint Louis, MO | 58 out of 100, Moderate | $445.0M | 15.0% | 5.79% | vs |
| Assemblies of God Credit UnionCredit union Springfield, MO | 41 out of 100, Below average | $450.5M | 8.8% | 2.29% | vs |
Deposit insurance
Is my money safe at Missouri Electric Cooperatives Empl?
Yes. Missouri Electric Cooperatives Empl is a federally insured credit union (NCUA charter #67739). 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 12.2% of shares and deposits ($41.8M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 11.32%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Missouri Electric Cooperatives Empl lists 1 office in 1 city. Most locations:
HMDA 2025
Mortgage lending
In 2025, Missouri Electric Cooperatives Empl reported 91 home-loan applications under HMDA (LEI 549300Y4GAAGXS20SL80): 70 originated ($17,640,000 total), 3 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Missouri Electric Cooperatives Empl
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 67739
- RSSD ID
- 281498
- Primary regulator
- State + NCUA
- Established
- 1975
- Headquarters
- P.O. Box 1586, Jefferson City, MO 65102
- Employees
- 20
Quick answers
Missouri Electric Cooperatives Empl: common questions
Is Missouri Electric Cooperatives Empl NCUA insured?
Yes. Missouri Electric Cooperatives Empl is a federally insured credit union (NCUA charter #67739). 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 Electric Cooperatives Empl's TellerScore?
82 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 Missouri Electric Cooperatives Empl have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Jefferson City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Knox Co. Employees Credit UnionCredit union Knoxville, TN | 96 out of 100, Very strong | $12.5M | 18.8% | 0.04% | vs |
| Our Lady of Snows Credit UnionCredit union Henley, MO | 96 out of 100, Very strong | $4.6M | 15.3% | 0.00% | vs |
| Farmers Bank of Lohman, MissouriBank Jefferson City, MO | 93 out of 100, Very strong | $82.9M | 17.1% | 0.02% | vs |
| Legends BankBank Linn, MO | 90 out of 100, Very strong | $635.5M | 18.3% | 0.51% | vs |
| The Maries County BankBank Vienna, MO | 89 out of 100, Very strong | $600.5M | 14.8% | 0.12% | vs |
| Civic Central Credit UnionCredit union Jefferson City, MO | 86 out of 100, Very strong | $105.0M | 13.8% | 0.48% | vs |