State credit union · Jefferson City, Missouri · NCUA charter #62598
Civic Central
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $100.0M
- Total assets
- 5,002
- Members
- 13.8%
- Net-worth ratio
Civic Central scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $100.0M; members 5,002; net-worth ratio 13.81%; health rank #2,571 of 4,374; healthier than 39th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,571 of 4,374 health · 2025Q4Civic Central · health 81/100 · $100.0M · 2025Q4
- ASSETS 81/100
- MEM 13.8%
- RANK 0.45%
- PHOTO 1.09%
- BOOK $100.0M
- CHARTER 5,002
- NCUSIF #2,571/4,374
- CAMELS HOLLEY
- HEALTH 62598
Call Report peers
Civic Central in the assets neighbourhood
Civic Central's $100.0M assets sit next to HOLLEY ($99.9M) 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.
Civic Central 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
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
Civic Central - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #62598. See our deposit-insurance coverage note.
Where Civic Central diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.45% vs peer 0.96% (-0.51 pp).
- Loan-to-Share Ratio trails the peer set - 53.36% here, 62.60% peer average (-9.24 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Civic Central: in-state Call Report ranks
- In Missouri, health place is #54 of 89 on the same NCUA-ratio sort used nationally.
- Assets rank #30 of 89 inside Missouri ($100.0M reported).
- Member book place in Missouri: #43 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.
Quarter path for Civic Central
Civic Central: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.4% from $100.0M (2025Q4) to $102.4M (2026Q1).
- Net-worth ratio shifted -0.05 pp (13.86% → 13.81%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.81% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 11.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.81% | +0.19 pp |
| Delinquency Rate | 0.45% | -0.51 pp |
| Return on Assets | 1.09% | +0.43 pp |
| Member Growth | -7.16% | - |
| Loan-to-Share Ratio | 53.36% | -9.24 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - Civic Central
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $102.4M | - |
| 2025Q4 | $100.0M | 5,002 |
| 2024Q4 | $91.8M | 5,388 |
| 2023Q4 | $86.5M | 5,524 |
Credit Union Details
- Charter Number
- 62598
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Missouri
- City
- Jefferson City
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Civic Central runs one office.
| Office | City |
|---|---|
| Civic Central Credit Union (Main Office) | Jefferson City, 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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Civic Central, both outside Missouri so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($100.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Civic Central ranks #2,571 of 4,374 nationally on financial health and #54 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Postal & Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Postal & Community
- 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 Civic Central financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Civic Central carries a financial health score of 81/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,571 of 4,374; by total assets it ranks #1,819 of 4,374 nationally (same basis as /rankings/largest); and #30 of 89 within Missouri. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.81% net worth ratio and a 0.45% delinquency rate.
How does Civic Central compare to other credit unions?
On PlainCU's health composite, Civic Central lands at 81/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 Civic Central?
Membership eligibility for Civic Central depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Civic Central directly for current membership requirements and application steps.
Is my money safe at Civic Central?
Federal credit unions like Civic Central 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. Civic Central's net worth ratio of 13.81% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Civic Central offer compared to banks?
Credit unions like Civic Central 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 Civic Central 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.