Joplin Metro Credit Union

Overview / Commentary
3301 Texas Ave
Joplin, MO 64804

Joplin Metro Credit Union is headquartered in Joplin and is the 48th largest credit union in the state of Missouri. It is also the 2,781st largest credit union in the nation. It was established in 1950 and as of December of 2019, it had grown to 17 employees and 5,408 members at 2 locations. Joplin Metro Credit Union has a B+ health rating.

Field of Membership Restrictions

Joplin Metro Credit Union of Missouri is open to the employees of the credit union affiliated partner companies and select employee groups that are listed on the credit union website.
See current membership details

Reviews (3)

Very Pleased Customer

I've been doing business with this credit union for over 6 years now and I have been very pleased with the way I've been treated. They have always called and worked very hard to help me with loans and investing. Very happy customer! Thank you

Joplin Metro Credit Union

Posted by: |

I've been a member of this credit union for 11 years. Almost 4 years ago I moved to another city. Due to various reasons that were no fault of the bank my debit card needed replaced multiple times (fraudulant activity, lost card) my pin would need reset etc. Each time I explained my situation that I was 4 hours away (it's a small credit union there are no other branches) and couldn't come in for a new card or pin replacement. Each time it'd be 7-10 BUSINESS days to get a new one, to get access to my funds. First of all, who doesn't offer expedited shipping now, and 7-10 business days is 1/2 a month. Only after 2 years of complaining and advising I'd drive all the way down there to cancel my account did someone tell me about branch sharing. I was livid. Greatful I was finally told but beyond angry at the fact no one had made mention of this option from the beginning. There are sub-par offerings of services and overall I'm not satisfied with my banking experience. The website is always down, I can't see my pending charges.


For the most part everyone has been friendly and pleasant. The downside to a small local bank I feel there are no checks and balances... no one that focuses on the customer or the client because they don't have corporate policies or training or expectations on how to treat their clients. It doesn't seem like anyone wants to go above and beyond to help someone out. There are fewer products and services that are offered. The services that are offered, there are fewer choices and certainly not cutting edge.

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. Joplin Metro Credit Union has a low asset base.

Health Grade Components

NCUA #64691
Year Chartered1950
Primary Regulator
Profit Margin
Return on Assets - YTD1.64%
Return on Equity - YTD13.31%
Annual Interest Income$1.6MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$32.5MM$31.1MM
LoansQ4 2019vs Q4 2018$22.5MM$22.3MM
DepositsQ4 2019vs Q4 2018$28.3MM$27.5MM
Equity CapitalQ4 2019vs Q4 2018$4.0MM$3.5MM
Loan Loss AllowanceQ4 2019vs Q4 2018$224.00K$201.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$143.00K$34.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
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Joplin Metro Credit Union Savings Account Rates

0.75%--IRA Savings
0.10%$25-Regular Shares

Joplin Metro Credit Union Money Market Rates

0.10%--Money Market

Joplin Metro Credit Union Checking Account Rates

0.10%--Dividend Bearing

Joplin Metro Credit Union CD Rates

1.51%$500-5 Year CD
1.36%$500-4 Year CD
1.11%$500-3 Year CD
1.01%$500-2 Year CD
0.75%$500-1 Year CD
0.60%$500-6 Month CD
0.50%$500-3 Month CD

Joplin Metro Credit Union Locations
Branch Office716 Pearl AveJoplin, MO 64801
Branch Office3301 Texas AveJoplin, MO 64804

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