Credit Union Safety Analysis
Is Volt Credit Union Safe? Springfield, Missouri
Based on its Q2 2026 NCUA 5300 call report, Volt Credit Union has a net worth ratio of 8.39%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.14%, 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, Volt Credit Union's net worth ratio is 8.39%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.39%
- Delinquency ratio (60+ days) (Q2 2026): 0.14%
- Return on assets (Q2 2026): -0.34%
- Loan-to-share ratio (Q2 2026): 76.66%
Volt Credit Union (NCUA charter 63389, established 1935) reported $85.8M in assets and 7,245 members for Q2 2026 from Springfield, Missouri. It ranks 34 of 85 credit unions in Missouri by total assets. Total assets grew 1.9% from $84.2M on June 30, 2025. It has 349 more members than on June 30, 2025 (+5.1%). Its net worth ratio was down 0.70 percentage points from 9.09% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $25.6M of $59.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.14% 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: 8.63% for Q1 2026; 9.09% 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: 0.12% for Q1 2026; 0.21% 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: -1.50% for Q1 2026; 0.02% 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: 78.82% for Q1 2026; 79.94% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $25.6M
- Used vehicle loans: $18.3M
- New vehicle loans: $4.6M
- Other secured non-real estate loans and lines of credit: $3.6M
- Unsecured credit card loans: $2.7M
- Commercial loans: $2.5M
- Other unsecured loans and lines of credit: $2.5M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $85.8M | 8.39% | 0.14% | -0.34% | 76.66% |
| March 31, 2026 | $84.2M | 8.63% | 0.12% | -1.50% | 78.82% |
| December 31, 2025 | $83.4M | 9.09% | 0.30% | -0.27% | 79.40% |
| September 30, 2025 | $85.2M | 8.97% | 0.09% | 0.00% | 78.67% |
| June 30, 2025 | $84.2M | 9.09% | 0.21% | 0.02% | 79.94% |
| March 31, 2025 | $84.7M | 9.03% | 0.36% | -0.90% | 77.31% |
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Free to use. It shows Volt 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 63389) · FFIEC NIC profile (RSSD 213293)
Frequently asked questions
Is Volt Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Volt Credit Union's net worth ratio is 8.39%, above the 7% NCUA threshold for well capitalized.
Is Volt Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Volt Credit Union is a federally insured credit union (NCUA charter 63389): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Volt Credit Union's key safety ratios?
For Q2 2026, Volt Credit Union reports net worth 8.39%, delinquency 0.14%, ROA -0.34%, loan-to-share 76.66%.
What happens to my money if Volt Credit Union fails?
For Q2 2026, Volt Credit Union held $78.0M in shares and deposits for 7,245 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.