De Soto Mo Pac Credit Union


Overview / Commentary
636-586-9922
2082 Rock Road
De Soto, MO 63020

De Soto Mo Pac Credit Union is headquartered in De Soto and is the 54th largest credit union in the state of Missouri. It is also the 3,024th largest credit union in the nation. It was established in 1939 and as of March of 2025, it had grown to 4 employees and 1,687 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.
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Health
B+
Additional 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 Chartered1939
Employees4
Primary Regulator
Profit Margin
Return on Assets - YTD0.68%
Return on Equity - YTD6.02%
Annual Interest Income$287K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$25.9MM$21.3MM
LoansQ1 2025vs Q1 2024$19.1MM$18MM
DepositsQ1 2025vs Q1 2024$23MM$18.5MM
Equity CapitalQ1 2025vs Q1 2024$2.8MM$2.6MM
Loan Loss AllowanceQ1 2025vs Q1 2024$92K$92K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$52K$74K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates
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De Soto Mo Pac Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.80%$100-Share Accounts

De Soto Mo Pac Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$5k-Share Draft Accounts

De Soto Mo Pac Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.09%$5k$100k1 Year CD
Locations


De Soto Mo Pac Credit Union Locations
Branch Office2082 Rock RdDe Soto, MO 63020-1052

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