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
Call Report peers
Civic Central in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Civic Central 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
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Missouri, Shelter Insurance (#53) ties at 81/100; one place down, CITY (#55) ties at 81/100.
Quarter path for Civic Central
Civic Central: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $100.0M (2025Q4) to $102.4M (2026Q1).
- Net-worth ratio shifted -0.05 pp (13.86% → 13.81%).
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
Civic Central gives up 19 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Civic Central financially healthy?
Civic Central has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,571 of 4,374 nationally on health and #54 of 89 in Missouri. Its net worth ratio is 13.81% and its delinquency rate 0.45%.
How does Civic Central compare to other credit unions?
Civic Central 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 delinquency rate (0.45% vs 0.96%). Its widest shortfall is loan-to-share ratio (53.36% vs 62.60%).
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?
Civic Central 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. Civic Central's net worth ratio of 13.81% 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.