M O
Federal • Huron, South Dakota • Est. 1950
Quick Facts
- Charter Number
- #7020
- Type
- Federal
- Established
- 1950
- Headquarters
- Huron, South Dakota 57350
- Address
- 1730 Dakota Ave S
- Branches
- 1
- Members
- 1,774
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
1,774 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | M O |
|---|---|
| Total Assets | $42.4M |
| Members | 1,774 |
| Loans Outstanding | $22.2M |
| Shares & Deposits | $36.5M |
| Net Worth | $5.5M |
| Net Worth Ratio | 13.04% |
| Loan-to-Share Ratio | 60.8% |
| Delinquency Rate | 0.06% |
| Net Income | +$552,345 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location
M-O Federal Credit Union
Main Office1730 Dakota Ave S
Huron, SD 57350
Who Can Join M O?
Membership Type: Community
Membership eligibility for M O may vary. Contact the credit union directly to confirm qualification requirements.
Contact M O directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View South Dakota RankingsFrequently Asked Questions
Yes. M O is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, M O has 1,774 members and a potential membership field of 3,500 people.
M O's net worth ratio is 13.04% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 13.0%, M O meets this threshold.
M O operates 1 branch location. The main office is located at 1730 Dakota Ave S, Huron, SD 57350.
M O was established in 1950. It is a federal credit union chartered under charter number 7020. The institution has been serving members for 76 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or M O. All financial data is for informational purposes only.