Credit Union Safety Analysis
Is Multi-States Credit Union Safe? Springfield, Missouri
Based on its Q2 2026 NCUA 5300 call report, Multi-States Credit Union has a net worth ratio of 12.46%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.36%, 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, Multi-States Credit Union's net worth ratio is 12.46%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.46%
- Delinquency ratio (60+ days) (Q2 2026): 0.36%
- Return on assets (Q2 2026): 1.45%
- Loan-to-share ratio (Q2 2026): 89.43%
Multi-States Credit Union (NCUA charter 63306, established 1975) reported $90.9M in assets and 15,004 members for Q2 2026 from Springfield, Missouri. It ranks 31 of 85 credit unions in Missouri by total assets. Total assets grew 5.8% from $85.9M on June 30, 2025. It has 183 more members than on June 30, 2025 (+1.2%). Its net worth ratio was up 0.56 percentage points from 11.90% on June 30, 2025. Used vehicle loans are its largest loan category, $22.9M of $70.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.36% 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: 12.33% 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: 0.10% for Q1 2026; 0.07% 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: 0.82% for Q1 2026; 1.28% 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: 87.21% for Q1 2026; 88.36% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $22.9M
- New vehicle loans: $22.3M
- 1- to 4-family residential and other consumer real estate loans: $19.1M
- Other secured non-real estate loans and lines of credit: $4.8M
- Other unsecured loans and lines of credit: $848K
- Unsecured credit card loans: $609K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $90.9M | 12.46% | 0.36% | 1.45% | 89.43% |
| March 31, 2026 | $89.2M | 12.33% | 0.10% | 0.82% | 87.21% |
| December 31, 2025 | $85.3M | 12.68% | 0.45% | 1.28% | 89.93% |
| September 30, 2025 | $84.3M | 12.50% | 0.26% | 1.50% | 92.44% |
| June 30, 2025 | $85.9M | 11.90% | 0.07% | 1.28% | 88.36% |
| March 31, 2025 | $83.9M | 11.85% | 0.19% | 1.77% | 89.81% |
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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.
Multi-States Credit Union profile
Regulator records: NCUA credit union profile (charter 63306) · FFIEC NIC profile (RSSD 133896)
Frequently asked questions
Is Multi-States Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Multi-States Credit Union's net worth ratio is 12.46%, above the 7% NCUA threshold for well capitalized.
Is Multi-States Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Multi-States Credit Union is a federally insured credit union (NCUA charter 63306): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Multi-States Credit Union's key safety ratios?
For Q2 2026, Multi-States Credit Union reports net worth 12.46%, delinquency 0.36%, ROA 1.45%, loan-to-share 89.43%.
What happens to my money if Multi-States Credit Union fails?
For Q2 2026, Multi-States Credit Union held $78.9M in shares and deposits for 15,004 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.