State credit union · Independence, Missouri · NCUA charter #67924
CITY
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $62.3M
- Total assets
- 4,166
- Members
- 12.0%
- Net-worth ratio
CITY scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $62.3M; members 4,166; net-worth ratio 11.99%; health rank #2,595 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,595 of 4,374 health · 2025Q4CITY · health 81/100 · $62.3M · 2025Q4
Call Report peers
CITY in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CITY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CITY sits in 80-84 with 767 others.
81 39th percentile higher than 39% 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
CITY vs $50M–$100M peers
- Loan-to-Share Ratio leads the peer set - 72.18% here, 62.60% peer average (+9.58 pp).
- Largest lag: Net Worth Ratio at 11.99% vs peer 13.62% (-1.63 pp).
CITY: in-state Call Report ranks
- In Missouri, health place is #55 of 89 on the same NCUA-ratio sort used nationally.
- Assets rank #40 of 89 inside Missouri ($62.3M reported).
- Member book place in Missouri: #46 of 89.
- One place up in Missouri, Civic Central (#54) ties at 81/100; one place down, St. Augustine (#56) scores 80/100, 1 point lower.
Quarter path for CITY
CITY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $62.3M (2025Q4) to $64.4M (2026Q1).
- Net-worth ratio shifted -0.24 pp (12.23% → 11.99%).
This credit union's 11.99% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 81/100 score is built
CITY gives up 19 points in total. Delinquency Rate costs the most, 11.5 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 13.5 pts
- Return on Assets 15.0 pts
- Member Growth 7.1 pts
- Loan-to-Share Ratio 15.4 pts
CITY vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.99% | -1.63 pp |
| Delinquency Rate | 1.86% | +0.90 pp |
| Return on Assets | 1.11% | +0.46 pp |
| Member Growth | -1.07% | - |
| Loan-to-Share Ratio | 72.18% | +9.58 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
CITY quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $64.4M | - |
| 2025Q4 | $62.3M | 4,166 |
| 2024Q4 | $56.4M | 4,211 |
| 2023Q4 | $55.1M | 4,271 |
Credit Union Details
- Charter Number
- 67924
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Missouri
- City
- Independence
- Data Quarter
- 2025Q4
Branch Location
CITY operates a single office in Independence, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| City Credit Union (Main Office) | Independence, 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.
CITY nationwide neighbourhoods
Using this data
- CITY ranks #2,595 of 4,374 nationally on financial health and #55 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Raytown-Lee's Summit Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Raytown-Lee's Summit Community
Frequently Asked Questions
Is CITY financially healthy?
On its 2025Q4 NCUA 5300 filing, CITY scores 81/100 (Excellent), with a 11.99% net worth ratio and 1.86% of loans delinquent. It ranks #2,595 of 4,374 nationally on health and #55 of 89 in Missouri.
How does CITY compare to other credit unions?
CITY scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (72.18% vs 62.60%). Its widest shortfall is net worth ratio (11.99% vs 13.62%).
How can I join CITY?
Membership eligibility for CITY depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact CITY directly for current membership requirements and application steps.
Is my money safe at CITY?
CITY is a state-chartered credit union; its shares are federally 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. CITY's net worth ratio of 11.99% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.