Credit Union Safety Analysis
Is CSD Credit Union Safe? Kansas City, Missouri
Based on its Q2 2026 NCUA 5300 call report, CSD Credit Union has a net worth ratio of 11.23%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.47%, 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, CSD Credit Union's net worth ratio is 11.23%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.23%
- Delinquency ratio (60+ days) (Q2 2026): 0.47%
- Return on assets (Q2 2026): 0.37%
- Loan-to-share ratio (Q2 2026): 47.88%
CSD Credit Union (NCUA charter 62701, established 1959) reported $90.5M in assets and 5,836 members for Q2 2026 from Kansas City, Missouri. It ranks 32 of 85 credit unions in Missouri by total assets. Total assets grew 10.1% from $82.2M on June 30, 2025. It has 3 more members than on June 30, 2025 (+0.1%). Its net worth ratio was down 0.54 percentage points from 11.77% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $18.8M of $38.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.47% is below 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: 11.27% for Q1 2026; 11.77% 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: 0.42% for Q1 2026; 0.51% 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: 0.58% for Q1 2026; 0.80% 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: 49.05% for Q1 2026; 51.56% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $18.8M
- Used vehicle loans: $13.3M
- New vehicle loans: $3.6M
- Other secured non-real estate loans and lines of credit: $1.2M
- Unsecured credit card loans: $936K
- Other unsecured loans and lines of credit: $536K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $90.5M | 11.23% | 0.47% | 0.37% | 47.88% |
| March 31, 2026 | $89.4M | 11.27% | 0.42% | 0.58% | 49.05% |
| December 31, 2025 | $87.4M | 11.39% | 0.32% | 0.58% | 49.43% |
| September 30, 2025 | $83.1M | 11.81% | 0.29% | 0.72% | 52.24% |
| June 30, 2025 | $82.2M | 11.77% | 0.51% | 0.80% | 51.56% |
| March 31, 2025 | $81.4M | 11.68% | 0.15% | 0.81% | 52.61% |
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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.
Regulator records: NCUA credit union profile (charter 62701) · FFIEC NIC profile (RSSD 990893)
Frequently asked questions
Is CSD Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, CSD Credit Union's net worth ratio is 11.23%, above the 7% NCUA threshold for well capitalized.
Is CSD Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. CSD Credit Union is a federally insured credit union (NCUA charter 62701): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are CSD Credit Union's key safety ratios?
For Q2 2026, CSD Credit Union reports net worth 11.23%, delinquency 0.47%, ROA 0.37%, loan-to-share 47.88%.
What happens to my money if CSD Credit Union fails?
For Q2 2026, CSD Credit Union held $79.8M in shares and deposits for 5,836 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.