South Central Missouri Credit Union (NCUA charter #64222) is based in Willow Springs, Missouri. Its Q2 2026 call report shows $9.2M in total assets and $7.7M in member shares and deposits and 1 office.
Based on its Q2 2026 filing, South Central Missouri Credit Union scores 71/100, which we describe as strong. That is higher than only 42% of 2,479 credit unions with under $100 million in assets. Among 87 credit unions headquartered in Missouri, it ranks 43rd. Its strongest component is capital cushion (100/100; 15.81%), and its lowest is earnings (27/100; 0.16%).
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
From Q2 2025 to Q2 2026, the score rose 3 points (68 → 71), mostly because the earnings component improved by 6 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 79 |
| Q3 2024 | 72 |
| Q4 2024 | 73 |
| Q1 2025 | 74 |
| Q2 2025 | 68 |
| Q3 2025 | 63 |
| Q4 2025 | 63 |
| Q1 2026 | 66 |
| Q2 2026 | 71 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 15.08% |
| Q3 2024 | 15.16% |
| Q4 2024 | 15.09% |
| Q1 2025 | 15.17% |
| Q2 2025 | 14.99% |
| Q3 2025 | 14.78% |
| Q4 2025 | 15.48% |
| Q1 2026 | 15.67% |
| Q2 2026 | 15.81% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.72% |
| Q3 2024 | 1.52% |
| Q4 2024 | 1.43% |
| Q1 2025 | 1.38% |
| Q2 2025 | 1.81% |
| Q3 2025 | 2.33% |
| Q4 2025 | 2.57% |
| Q1 2026 | 2.05% |
| Q2 2026 | 1.66% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.15% |
| Q3 2024 | 0.29% |
| Q4 2024 | 0.24% |
| Q1 2025 | 0.30% |
| Q2 2025 | 0.03% |
| Q3 2025 | 0.01% |
| Q4 2025 | 0.16% |
| Q1 2026 | 0.02% |
| Q2 2026 | 0.16% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $9.2M | 15.81% | 1.66% | 0.16% | 37.7% |
| Q1 2026 | 66 | $9.2M | 15.67% | 2.05% | 0.02% | 40.8% |
| Q4 2025 | 63 | $9.4M | 15.48% | 2.57% | 0.16% | 42.2% |
| Q3 2025 | 63 | $9.7M | 14.78% | 2.33% | 0.01% | 43.0% |
| Q2 2025 | 68 | $9.6M | 14.99% | 1.81% | 0.03% | 44.4% |
| Q1 2025 | 74 | $9.5M | 15.17% | 1.38% | 0.30% | 50.1% |
| Q4 2024 | 73 | $9.5M | 15.09% | 1.43% | 0.24% | 54.1% |
| Q3 2024 | 72 | $9.4M | 15.16% | 1.52% | 0.29% | 57.3% |
| Q2 2024 | 79 | $9.4M | 15.08% | 0.72% | 0.15% | 59.4% |
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).
Similar-size credit unions in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| St. Joseph Teachers' Credit UnionCredit union Saint Joseph, MO | 78 out of 100, Strong | $8.7M | 10.9% | 0.29% | vs |
| Community First Credit UnionCredit union Hannibal, MO | 65 out of 100, Moderate | $8.5M | 11.5% | 0.26% | vs |
| Kc Unidos Federal Credit UnionCredit union Kansas City, MO | 74 out of 100, Strong | $8.5M | 29.2% | 0.65% | vs |
| Missouri Baptist Credit UnionCredit union Jefferson City, MO | 35 out of 100, Low | $10.4M | 7.2% | 2.54% | vs |
| Lovers Lane Credit UnionCredit union Saint Joseph, MO | 50 out of 100, Below average | $7.8M | 13.8% | 2.78% | vs |
| Northwest Missouri Regional Credit UnionCredit union Maryville, MO | 74 out of 100, Strong | $11.2M | 11.7% | 0.18% | vs |
Deposit insurance
Is my money safe at South Central Missouri Credit Union?
Yes. South Central Missouri Credit Union is a federally insured credit union (NCUA charter #64222). 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 0.0% of shares and deposits ($0) 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 15.81%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
South Central Missouri Credit Union lists 1 office in 1 city. Most locations:
- Willow Springs, MO (1)
Identity & history
Profile
- Legal name
- South Central Missouri Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 64222
- RSSD ID
- 389291
- Primary regulator
- State + NCUA
- Established
- 1954
- Headquarters
- PO Box 417, Willow Springs, MO 65793
- Employees
- 2
Quick answers
South Central Missouri Credit Union: common questions
Is South Central Missouri Credit Union NCUA insured?
Yes. South Central Missouri Credit Union is a federally insured credit union (NCUA charter #64222). 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 South Central Missouri Credit Union's TellerScore?
71 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 South Central Missouri Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Willow Springs
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Town & Country BankBank Salem, MO | 86 out of 100, Very strong | $747.7M | 12.4% | 0.35% | vs |
| Peoples Community BankBank Greenville, MO | 83 out of 100, Strong | $735.2M | 18.5% | 1.23% | vs |
| Wood & Huston BankBank Marshall, MO | 82 out of 100, Strong | $1.2B | 11.6% | 0.14% | vs |
| Progressive Ozark BankBank Salem, MO | 77 out of 100, Strong | $190.9M | 9.8% | 0.03% | vs |
| Stockmens BankBank Colorado Springs, CO | 75 out of 100, Strong | $650.8M | 10.6% | 0.18% | vs |
| Community First Banking CompanyBank West Plains, MO | 75 out of 100, Strong | $307.3M | 10.3% | 0.00% | vs |