TellerScore

Ozark Federal Credit Union (NCUA charter #7641) is based in Poplar Bluff, Missouri. Its Q2 2026 call report shows $142.5M in total assets and $124.8M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, Ozark Federal Credit Union scores 81/100, which we describe as strong. That is higher than 80% of 1,341 credit unions with $100 million – $1 billion. Among 87 credit unions headquartered in Missouri, it ranks 16th. Its strongest component is problem-loan coverage (98/100; 1.2%), and its lowest is capital cushion (66/100; 11.63%).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Net worth ratio: 11.63%
Loan quality94/100
Loans 60+ days delinquent ÷ total loans: 0.18%
Earnings89/100
Return on assets (annualized): 1.72%
Funding & liquidity69/100
Loans ÷ shares: 91.0% · 3.4% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.20%

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 4 points (77 → 81), mostly because the earnings component improved by 14 points.

TellerScore
737781Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202477
Q4 202474
Q1 202573
Q2 202577
Q3 202574
Q4 202576
Q1 202678
Q2 202681
Net worth ratio
7.00%9.32%11.63%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.38%
Q3 202410.84%
Q4 202411.09%
Q1 202511.01%
Q2 202510.97%
Q3 202510.02%
Q4 202511.18%
Q1 202611.11%
Q2 202611.63%
Delinquent loans (60+ days)
0.17%0.37%0.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.37%
Q3 20240.35%
Q4 20240.56%
Q1 20250.56%
Q2 20250.31%
Q3 20250.17%
Q4 20250.23%
Q1 20260.20%
Q2 20260.18%
Return on assets
1.22%1.47%1.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.48%
Q3 20241.63%
Q4 20241.39%
Q1 20251.22%
Q2 20251.36%
Q3 20251.36%
Q4 20251.29%
Q1 20261.52%
Q2 20261.72%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$142.5M11.63%0.18%1.72%91.0%
Q1 202678$142.8M11.11%0.20%1.52%88.1%
Q4 202576$138.1M11.18%0.23%1.29%89.1%
Q3 202574$136.4M10.02%0.17%1.36%85.8%
Q2 202577$119.2M10.97%0.31%1.36%82.5%
Q1 202573$114.6M11.01%0.56%1.22%85.4%
Q4 202474$110.7M11.09%0.56%1.39%88.0%
Q3 202477$108.9M10.84%0.35%1.63%87.9%
Q2 202475$108.6M10.38%0.37%1.48%82.8%

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).

Capital ratio11.63%
53rd
Problem loans0.18%
91st
Net charge-offs0.14%
79th
Return on assets1.72%
94th
Loans to deposits91.0%
15th
Uninsured deposits3.4%
78th
Loan-loss reserves0.00%
50th
Texas ratio1.2%
87th

Similar-size credit unions in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Central Missouri Community Credit UnionCredit union Warrensburg, MO60 out of 100, Moderate$140.2M8.2%0.52%vs
Riverways Federal Credit UnionCredit union Rolla, MO57 out of 100, Moderate$136.7M8.4%1.14%vs
R G Federal Credit UnionCredit union Raymore, MO60 out of 100, Moderate$153.6M10.0%0.58%vs
First Missouri Credit UnionCredit union Saint Louis, MO58 out of 100, Moderate$125.1M9.4%0.77%vs
Missouri Central Credit UnionCredit union Lees Summit, MO59 out of 100, Moderate$123.3M9.3%0.85%vs
Metro Credit UnionCredit union Springfield, MO76 out of 100, Strong$123.0M13.0%0.90%vs

Deposit insurance

Is my money safe at Ozark Federal Credit Union?

Yes. Ozark Federal Credit Union is a federally insured credit union (NCUA charter #7641). 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 3.4% of shares and deposits ($4.3M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.63%, 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

Ozark Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Ozark Federal Credit Union
Type
Federal credit union
NCUA charter #
7641
RSSD ID
511485
Primary regulator
NCUA
Established
1952
Headquarters
2438 Katy LN, Poplar Bluff, MO 63901
Employees
58

Quick answers

Ozark Federal Credit Union: common questions

Is Ozark Federal Credit Union NCUA insured?

Yes. Ozark Federal Credit Union is a federally insured credit union (NCUA charter #7641). 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 Ozark Federal Credit Union's TellerScore?

81 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 Ozark Federal Credit Union have?

2 offices as of the latest NCUA data.