TellerScore

Sikeston Public Schools Credit Union is a federally insured state-chartered credit union headquartered in Sikeston, Missouri, in business for about 50 years. At the end of Q2 2026 it reported $5.5M in total assets and $4.5M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Sikeston Public Schools Credit Union scores 79/100, which we describe as strong. That is higher than 62% of 2,479 credit unions with under $100 million in assets. Among 87 credit unions headquartered in Missouri, it ranks 20th. Its strongest component is capital cushion (100/100; 18.91%), and its lowest is loan quality (37/100; 1.89%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.91%
Loan quality37/100
Loans 60+ days delinquent ÷ total loans: 1.89%
Earnings79/100
Return on assets (annualized): 1.46%
Funding & liquidity100/100
Loans ÷ shares: 56.5% · 0.5% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.83%

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 6 points (85 → 79), mostly because the loan quality component weakened by 35 points.

TellerScore
667686Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202474
Q4 202468
Q1 202584
Q2 202585
Q3 202586
Q4 202586
Q1 202677
Q2 202679
Net worth ratio
7.00%12.96%18.91%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.10%
Q3 202417.61%
Q4 202417.92%
Q1 202517.52%
Q2 202516.41%
Q3 202517.28%
Q4 202517.73%
Q1 202618.56%
Q2 202618.91%
Delinquent loans (60+ days)
0.67%1.67%2.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.67%
Q3 20241.69%
Q4 20242.49%
Q1 20250.67%
Q2 20250.85%
Q3 20250.99%
Q4 20251.00%
Q1 20261.90%
Q2 20261.89%
Return on assets
0.72%1.09%1.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.72%
Q3 20240.80%
Q4 20240.87%
Q1 20250.83%
Q2 20251.11%
Q3 20251.34%
Q4 20251.38%
Q1 20261.22%
Q2 20261.46%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$5.5M18.91%1.89%1.46%56.5%
Q1 202677$5.5M18.56%1.90%1.22%57.8%
Q4 202586$5.6M17.73%1.00%1.38%57.6%
Q3 202586$5.7M17.28%0.99%1.34%58.7%
Q2 202585$5.8M16.41%0.85%1.11%57.5%
Q1 202584$5.3M17.52%0.67%0.83%62.4%
Q4 202468$5.1M17.92%2.49%0.87%66.1%
Q3 202474$5.2M17.61%1.69%0.80%67.3%
Q2 202466$5.2M17.10%2.67%0.72%61.3%

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 ratio18.91%
73rd
Problem loans1.89%
23rd
Net charge-offs1.00%
14th
Return on assets1.46%
84th
Loans to deposits56.5%
53rd
Uninsured deposits0.5%
59th
Loan-loss reserves1.24%
85th
Texas ratio5.8%
25th

Similar-size credit unions in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Dexter Public Schools Credit UnionCredit union Dexter, MO73 out of 100, Strong$5.9M11.7%0.24%vs
Southeast Missouri Community Credit UnionCredit union Park Hills, MO68 out of 100, Moderate$6.4M8.7%0.18%vs
Our Lady of Snows Credit UnionCredit union Henley, MO96 out of 100, Very strong$4.6M15.3%0.00%vs
Fedco Credit UnionCredit union Jefferson City, MO73 out of 100, Strong$7.1M10.9%0.00%vs
Lovers Lane Credit UnionCredit union Saint Joseph, MO50 out of 100, Below average$7.8M13.8%2.78%vs
J C Federal Employees Credit UnionCredit union Jefferson City, MO53 out of 100, Below average$2.7M24.8%3.89%vs

Deposit insurance

Is my money safe at Sikeston Public Schools Credit Union?

Yes. Sikeston Public Schools Credit Union is a federally insured credit union (NCUA charter #63830). 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 0.5% of shares and deposits ($21K) 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 18.91%, 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

Sikeston Public Schools Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Sikeston Public Schools Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
63830
RSSD ID
646396
Primary regulator
State + NCUA
Established
1976
Headquarters
Po Box 1971, Sikeston, MO 63801

Quick answers

Sikeston Public Schools Credit Union: common questions

Is Sikeston Public Schools Credit Union NCUA insured?

Yes. Sikeston Public Schools Credit Union is a federally insured credit union (NCUA charter #63830). 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 Sikeston Public Schools Credit Union's TellerScore?

79 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 Sikeston Public Schools Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Sikeston

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens' Bank of CharlestonBank Charleston, MO86 out of 100, Very strong$185.1M20.5%0.83%vs
Alliance BankBank Cape Girardeau, MO84 out of 100, Strong$391.3M13.6%0.26%vs
St. Augustine Credit UnionCredit union Kelso, MO83 out of 100, Strong$1.5M14.4%0.00%vs
The Bank of AdvanceBank Advance, MO81 out of 100, Strong$509.9M13.0%0.75%vs
Sterling BankBank Poplar Bluff, MO78 out of 100, Strong$1.6B11.1%0.35%vs
Focus BankBank Charleston, MO75 out of 100, Strong$854.1M12.6%0.85%vs