State credit union · Jefferson City, Missouri · NCUA charter #62598
Civic Central
Health score 55/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 55
- Health / 100
- $100.0M
- Total assets
- 5,002
- Members
- 1.3%
- Net-worth ratio
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.
Civic Central - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)11
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)75
Weighted composite: 55/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
1.33% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 1.33% | 30% |
| Delinquency Rate | 0.45% | 25% |
| Return on Assets | 1.09% | 15% |
| Member Growth | -7.16% | 15% |
| Loan-to-Share Ratio | 53.36% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Civic Central
Headquartered in Jefferson City, Missouri, Civic Central is a state credit union with 5,002 members, $100.0M in total assets, and $46.5M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 55/100 (Fair), driven in part by a net worth ratio of 1.33% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #62598 and reports within peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
0.45% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Deposit deployment is captured by the 53.36% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.09% on net income of $1.1M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -7.16%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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 55/100 (Fair). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 1.33% 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 55/100, 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 1.33% is relative to 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.
Read our methodology - how this data is sourced, computed, and verified.
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.