South Central Missouri

Willow Springs, MO · 2 · Charter #64222 · www.creditunionmo.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$9.4M
40th percentile
Members
1,936
64th percentile
Total loans
$3.3M
33th percentile
Total shares
$7.9M
41th percentile

Profitability

Return on assets
0.16%
22th percentile
Net interest margin
2.32%
7th percentile
Efficiency ratio
71.15%
41th percentile
Non-interest income ratio
1.58%
17th percentile

Capital & Risk

Net worth ratio
15.48%
53th percentile
Delinquency rate
2.57%
19th percentile
Net charge-off rate
0.04%
69th percentile
Loan-to-share
42.20%
24th percentile

Growth

Member growth YoY
-0.82%
56th percentile
Asset growth YoY
-1.49%
33th percentile
Loan growth YoY
-23.44%
4th percentile
Share growth YoY
-1.88%
35th percentile

Operations

Members / branch
1,936
76th percentile
Assets / member
$4,830
16th percentile
Field of membership penetration
2.77%
13th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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