Huron, South Dakota · Peer group 3
M O Credit Union
M O Credit Union holds $41.4M in assets across 1,759 members as of Q1 2026 — about $24K of assets per member, on a charter dating to 1950. Charter number 7020, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $41.4M |
|---|---|
| Total loans | $22.0M |
| Total shares (deposits) | $35.4M |
| Net worth | $5.7M |
| Members | 1,759 |
| Assets per member | $24K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -4.9% | |
|---|---|---|
| Loans | -0.9% | around the 57th percentile of its peer group |
| Deposits | -7.0% | lower than 92% of its peer group |
| Members | -1.7% | around the 45th 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 | 62.0% | around the 57th percentile of its peer group |
|---|---|---|
| Net worth ratio | 13.7% | around the 50th percentile of its peer group |
| Return on assets | 1.27% | around the 79th percentile of its peer group |
| Delinquency ratio | 0.25% | around the 33rd percentile of its peer group |
| Cash / assets | 3.7% | lower than 94% 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 M O 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 South Dakota — the comparison set a peer ratio is measured against.
- Sioux Valley Coop Credit Union
Watertown, SD
$41.5M · 3,378 members
- East River Credit Union
Madison, SD
$41.6M · 3,128 members
- Ft Randall Credit Union
WAGNER, SD
$44.9M · 3,418 members
- Oahe Credit Union
Pierre, SD
$45.0M · 3,565 members
- Dakota Star Credit Union
RAPID CITY, SD
$46.5M · 3,016 members
- Avanti Credit Union
WATERTOWN, SD
$31.8M · 2,963 members
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