Credit Union Safety Analysis
Is Central Missouri Community Credit Union Safe? Warrensburg, Missouri
Based on its Q2 2026 NCUA 5300 call report, Central Missouri Community Credit Union has a net worth ratio of 8.17%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.52%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Central Missouri Community Credit Union's net worth ratio is 8.17%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.17%
- Delinquency ratio (60+ days) (Q2 2026): 0.52%
- Return on assets (Q2 2026): 0.56%
- Loan-to-share ratio (Q2 2026): 71.69%
Central Missouri Community Credit Union (NCUA charter 60383, established 1961) reported $140.2M in assets and 14,722 members for Q2 2026 from Warrensburg, Missouri. It ranks 24 of 85 credit unions in Missouri by total assets. Total assets grew 3.9% from $134.9M on June 30, 2025. It has 12 more members than on June 30, 2025 (+0.1%). Its net worth ratio was up 0.34 percentage points from 7.83% on June 30, 2025. Used vehicle loans are its largest loan category, $29.0M of $92.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.52% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 7.96% for Q1 2026; 7.83% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.44% for Q1 2026; 0.38% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.27% for Q1 2026; 0.75% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 69.93% for Q1 2026; 70.69% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $29.0M
- New vehicle loans: $25.3M
- 1- to 4-family residential and other consumer real estate loans: $24.2M
- Other secured non-real estate loans and lines of credit: $7.3M
- Unsecured credit card loans: $4.1M
- Other unsecured loans and lines of credit: $2.9M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $140.2M | 8.17% | 0.52% | 0.56% | 71.69% |
| March 31, 2026 | $141.6M | 7.96% | 0.44% | 0.27% | 69.93% |
| December 31, 2025 | $136.8M | 8.17% | 0.42% | 1.12% | 72.06% |
| September 30, 2025 | $136.0M | 7.97% | 0.28% | 0.85% | 71.16% |
| June 30, 2025 | $134.9M | 7.83% | 0.38% | 0.75% | 70.69% |
| March 31, 2025 | $139.1M | 7.57% | 0.32% | 0.19% | 67.43% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Central Missouri Community Credit Union profile
Regulator records: NCUA credit union profile (charter 60383) · FFIEC NIC profile (RSSD 151199)
Frequently asked questions
Is Central Missouri Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Central Missouri Community Credit Union's net worth ratio is 8.17%, above the 7% NCUA threshold for well capitalized.
Is Central Missouri Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Central Missouri Community Credit Union is a federally insured credit union (NCUA charter 60383): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Central Missouri Community Credit Union's key safety ratios?
For Q2 2026, Central Missouri Community Credit Union reports net worth 8.17%, delinquency 0.52%, ROA 0.56%, loan-to-share 71.69%.
What happens to my money if Central Missouri Community Credit Union fails?
For Q2 2026, Central Missouri Community Credit Union held $129.5M in shares and deposits for 14,722 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.