Missouri Central Credit Union Lees Summit, Missouri
Missouri Central Credit Union is a state-chartered credit union headquartered in Lees Summit, MO, established in 1931 (NCUA charter 64036), and it is regulated and insured by the NCUA. At Q2 2026 it reported 11,464 members and total assets of $123.3M (up 0.5% from Q2 2025), the 27th largest of 85 credit unions headquartered in Missouri. Its net worth ratio was 9.27% at Q2 2026, in the well capitalized band.
Also written as Missouri Central CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 64036
- Headquarters
- Lees Summit, MO
- Established
- 1931
- Total assets, Q2 2026
- $123.3M
- Assets vs Q2 2025
- +0.5%
- Members, Q2 2026
- 11,464
- Net worth ratio, Q2 2026
- 9.27%
- Latest call report
- Q2 2026, NCUA 5300 · Missouri Central Credit Union call report
- Asset rank in state
- 27th of 85 in Missouri
- Routing number
- 301081155
- Branches
- 2
It has 451 fewer members than on June 30, 2025 (-3.8%). Its net worth ratio was up 0.46 percentage points from 8.81% on June 30, 2025. Used vehicle loans are its largest loan category, $29.0M of $78.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.85% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 9.27% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in Missouri
Credit unions merged into Missouri Central Credit Union
Frequently asked about Missouri Central Credit Union
How big is Missouri Central Credit Union?
At Q2 2026 it reported total assets of $123.3M and 11,464 members.
Where is Missouri Central Credit Union headquartered?
It is headquartered in Lees Summit, MO, United States.
When was Missouri Central Credit Union founded?
It was established in 1931, per NCUA records.
Is Missouri Central Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 64036): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Missouri Central Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Missouri Central Credit Union well capitalized?
Its net worth ratio was 9.27% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Missouri Central Credit Union's delinquency ratio?
Its delinquency ratio was 0.85% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Missouri Central Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 69.04% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Lees Summit, MO 64086
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1931
- NCUA Charter #
- 64036
- RSSD ID
- 243496
- Members
- 11,464
- Potential members
- 100,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 9.27% | 11.43% | 17th bottom |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.60% | 0.81% | 36th below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 6.47% | 7.02% | 46th below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.27% | 3.70% | 81st top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 77.05% | 76.55% | 48th below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.75% | 1.24% | 83rd top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.85% | 0.68% | 41st below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.02% | 4.92% | 56th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 69.04% | 75.66% | 38th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$123.3M total assets against $122.7M; $113.5M total shares and deposits against $113.5M; $78.4M total loans against $78.0M.
$11.4M net worth against $10.8M.
9.27% net worth ratio against 8.81%.
69.04% loan-to-share ratio against 68.76%.
0.85% delinquency ratio against 0.83%.
0.60% return on assets against -3.15%; 6.47% return on equity against -35.78%.
4.27% net interest margin against 5.30%.
11,464 members against 11,915.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.27% | 0.60% | 0.85% | 69.04% |
| March 31, 2026 | 8.98% | -0.03% | 0.57% | 69.10% |
| December 31, 2025 | 9.13% | 0.77% | 0.55% | 70.69% |
| September 30, 2025 | 8.92% | 0.75% | 0.60% | 69.23% |
| June 30, 2025 | 8.81% | -3.15% | 0.83% | 68.76% |
| March 31, 2025 | 10.77% | 0.88% | 0.45% | 92.96% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.