Credit Union Safety Analysis
Is City Credit Union Safe? Independence, Missouri
Based on its Q2 2026 NCUA 5300 call report, City Credit Union has a net worth ratio of 11.93%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.90%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of City Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, City Credit Union's net worth ratio is 11.93%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.93%
- Delinquency ratio (60+ days) (Q2 2026): 1.90%
- Return on assets (Q2 2026): 0.58%
- Loan-to-share ratio (Q2 2026): 67.42%
City Credit Union (NCUA charter 67924, established 1960) reported $65.5M in assets and 4,152 members for Q2 2026 from Independence, Missouri. It ranks 39 of 85 credit unions in Missouri by total assets. Total assets grew 6.8% from $61.3M on June 30, 2025. It has 22 fewer members than on June 30, 2025 (-0.5%). Its net worth ratio was up 0.03 percentage points from 11.90% on June 30, 2025. Used vehicle loans are its largest loan category, $20.6M of $38.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.90% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 11.99% for Q1 2026; 11.90% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.31% for Q1 2026; 1.17% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.67% for Q1 2026; 0.81% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 68.70% for Q1 2026; 69.53% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $20.6M
- 1- to 4-family residential and other consumer real estate loans: $5.9M
- New vehicle loans: $5.7M
- Other secured non-real estate loans and lines of credit: $3.0M
- 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 | $65.5M | 11.93% | 1.90% | 0.58% | 67.42% |
| March 31, 2026 | $64.4M | 11.99% | 1.31% | 0.67% | 68.70% |
| December 31, 2025 | $62.3M | 12.23% | 1.86% | 1.11% | 72.18% |
| September 30, 2025 | $61.4M | 12.12% | 1.69% | 0.96% | 69.98% |
| June 30, 2025 | $61.3M | 11.90% | 1.17% | 0.81% | 69.53% |
| March 31, 2025 | $59.5M | 12.05% | 1.28% | 1.96% | 71.70% |
Add this badge to your website
Free to use. It shows City Credit Union’s latest filed figures and updates each quarter.
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.
Regulator records: NCUA credit union profile (charter 67924) · FFIEC NIC profile (RSSD 227692)
Frequently asked questions
Is City Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, City Credit Union's net worth ratio is 11.93%, above the 7% NCUA threshold for well capitalized.
Is City Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. City Credit Union is a federally insured credit union (NCUA charter 67924): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are City Credit Union's key safety ratios?
For Q2 2026, City Credit Union reports net worth 11.93%, delinquency 1.90%, ROA 0.58%, loan-to-share 67.42%.
What happens to my money if City Credit Union fails?
For Q2 2026, City Credit Union held $56.6M in shares and deposits for 4,152 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.