Overview / Commentary
De Soto Mo Pac Credit Union is headquartered in De Soto and is the 52nd largest credit union in the state of Missouri. It is also the 2,963rd largest credit union in the nation. It was established in 1939 and as of June of 2025, it had grown to 5 employees and 1,719 members at 1 location. De Soto Mo Pac Credit Union's CD rates are 6X the national average, and it has a B+ health rating.
Field of Membership Restrictions
Membership in De Soto Mo Pac Credit Union is open to employees of Union Pacific Railroad who live or work in St. Francois or Washington Counties in Missouri.
See current membership details
Health
B+
Data as of Q2 2025
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. De Soto Mo Pac Credit Union has a low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 63507 |
| Year Chartered | 1939 |
| Employees | 5 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.63% |
| Return on Equity - YTD | 5.94% |
| Annual Interest Income | $588K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2025vs Q2 2024 | $27.2MM$22MM |
| Loans | Q2 2025vs Q2 2024 | $19.5MM$18.2MM |
| Deposits | Q2 2025vs Q2 2024 | $24.3MM$19.3MM |
| Equity Capital | Q2 2025vs Q2 2024 | $2.8MM$2.7MM |
| Loan Loss Allowance | Q2 2025vs Q2 2024 | $93K$99K |
| Unbacked Noncurrent Loans | Q2 2025vs Q2 2024 | $89K$117K |
| Real Estate Owned | Q2 2025vs Q2 2024 | $0$0 |