State credit union · WARRENSBURG, Missouri · NCUA charter #60383
Central Missouri Community
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $136.8M
- Total assets
- 14,513
- Members
- 8.0%
- Net-worth ratio
Central Missouri Community scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $136.8M; members 14,513; net-worth ratio 7.96%; health rank #2,030 of 4,374; healthier than 54th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,030 of 4,374 health · 2025Q4Central Missouri Community · health 85/100 · $136.8M · 2025Q4
- NCUSIF 85/100
- CAMELS 8.0%
- HEALTH 0.42%
- NW 0.76%
- DELQ $136.8M
- ROA 14,513
- ASSETS #2,030/4,374
- MEM Pacific Cascade
- RANK 60383
Call Report peers
Central Missouri Community in the assets neighbourhood
Central Missouri Community's $136.8M assets sit next to Pacific Cascade ($136.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Central Missouri Community vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Central Missouri Community - Share Insurance Coverage
Charter #60383's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for Central Missouri Community
- Largest favorable gap: Delinquency Rate at 0.42% vs peer 0.89% (-0.48 pp).
- Largest lag: Net Worth Ratio at 7.96% vs peer 12.11% (-4.15 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Central Missouri Community in Missouri
- In Missouri, health place is #45 of 89 on the same NCUA-ratio sort used nationally.
- Assets rank #25 of 89 inside Missouri ($136.8M reported).
- Missouri membership ordinal: #20 of 89.
In-state ordinals use the live credit_unions table for MO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Central Missouri Community Call Report trajectory
Central Missouri Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.5% from $136.8M (2025Q4) to $141.6M (2026Q1).
- Net-worth ratio shifted -0.21 pp (8.17% → 7.96%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
7.96% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 24.9 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.2 pts
- Loan-to-Share Ratio 14.9 pts
Central Missouri Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.96% | -4.15 pp |
| Delinquency Rate | 0.42% | -0.48 pp |
| Return on Assets | 0.76% | +0.13 pp |
| Member Growth | -2.10% | - |
| Loan-to-Share Ratio | 72.06% | -0.14 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Central Missouri Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $141.6M | - |
| 2025Q4 | $136.8M | 14,513 |
| 2024Q4 | $136.7M | 14,825 |
| 2023Q4 | $131.4M | 15,170 |
Credit Union Details
- Charter Number
- 60383
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Missouri
- City
- WARRENSBURG
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Central Missouri Community, spread across 3 cities.
| Office | City |
|---|---|
| Central MO Community Credit Union (Main Office) | Warrensburg, MO |
| Central Missouri Community Credit Union | Richmond, MO |
| Central MO Community Credit Union | Sedalia, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
A look at other Missouri credit unions, ranked by how closely their peer group and asset size match this one.
Central Missouri Community nationwide neighbourhoods
Central Missouri Community's nationwide photo peers by assets and by health score, excluding Missouri charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($136.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Central Missouri Community ranks #2,030 of 4,374 nationally on financial health and #45 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- OZARK is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with OZARK
- Rates and health both vary by institution, not just by state -- see how Missouri credit unions compare overall before assuming this one is typical. Missouri state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Central Missouri Community financially healthy?
Central Missouri Community scores 85/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,030 of 4,374; by total assets it ranks #1,564 of 4,374 nationally (same basis as /rankings/largest); and #25 of 89 within Missouri. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 7.96% net worth ratio and a 0.42% delinquency rate.
How does Central Missouri Community compare to other credit unions?
PlainCU's health composite puts Central Missouri Community at 85/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Central Missouri Community?
Membership eligibility for Central Missouri Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Central Missouri Community directly for current membership requirements and application steps.
Is my money safe at Central Missouri Community?
Federal credit unions like Central Missouri Community are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Central Missouri Community's net worth ratio of 7.96% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Central Missouri Community offer compared to banks?
Credit unions like Central Missouri Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Central Missouri Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.