Willow Springs, Missouri · Peer group 2
South Central Missouri Credit Union
South Central Missouri Credit Union holds $9.2M in assets across 1,929 members as of Q1 2026 — about $5K of assets per member, on a charter dating to 1954. Charter number 64222, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $9.2M |
|---|---|
| Total loans | $3.2M |
| Total shares (deposits) | $7.8M |
| Net worth | $1.4M |
| Members | 1,929 |
| Assets per member | $5K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -2.6% | |
|---|---|---|
| Loans | -21.1% | lower than 90% of its peer group |
| Deposits | -3.1% | around the 42nd percentile of its peer group |
| Members | -1.2% | around the 55th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 40.8% | around the 24th percentile of its peer group |
|---|---|---|
| Net worth ratio | 15.7% | around the 44th percentile of its peer group |
| Return on assets | 0.02% | around the 32nd percentile of its peer group |
| Delinquency ratio | 2.05% | around the 72nd percentile of its peer group |
| Cash / assets | 11.6% | around the 35th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is South Central Missouri Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Missouri — the comparison set a peer ratio is measured against.
- St. Joseph Teachers' Credit Union
SAINT JOSEPH, MO
$8.7M · 1,090 members
- KC Unidos Credit Union
Kansas City, MO
$8.5M · 1,578 members
- Community First Credit Union
HANNIBAL, MO
$8.3M · 1,186 members
- Missouri Baptist Credit Union
Jefferson City, MO
$10.5M · 1,046 members
- Lovers Lane Credit Union
Saint Joseph, MO
$7.7M · 1,032 members
- K.C. Area Credit Union
KANSAS CITY, MO
$11.5M · 1,937 members
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