State credit union · Columbia, Missouri · NCUA charter #62930
COLUMBIA
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $33.1M
- Total assets
- 2,129
- Members
- 9.8%
- Net-worth ratio
COLUMBIA scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $33.1M; members 2,129; net-worth ratio 9.76%; health rank #418 of 4,374; healthier than 90th of scored peers.
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NCUA 5300 Call Report Masthead
#418 of 4,374 health · 2025Q4COLUMBIA · health 95/100 · $33.1M · 2025Q4
Call Report peers
COLUMBIA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
COLUMBIA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); COLUMBIA sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
COLUMBIA: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 66.78% vs peer 59.80% (+6.98 pp).
- Widest shortfall vs peers is Net Worth Ratio: -5.10 pp (9.76% vs 14.86%).
Missouri standing for COLUMBIA
- Missouri health ordinal: #15 of 89.
- Assets rank #49 of 89 inside Missouri ($33.1M reported).
- Member book place in Missouri: #56 of 89.
- One place up in Missouri, UNITED (#14) ties at 95/100; one place down, Division #6 Highway (#16) scores 94/100, 1 point lower.
COLUMBIA: 2025Q4 → 2026Q1
COLUMBIA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $33.1M (2025Q4) to $33.8M (2026Q1).
- Net-worth ratio shifted +0.08 pp (9.68% → 9.76%).
9.76% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 95/100 score is built
COLUMBIA gives up 5 points in total. Member Growth costs the most, 3.9 of its 15; Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 29.4 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.1 pts
- Loan-to-Share Ratio 14.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.76% | -5.10 pp |
| Delinquency Rate | 0.09% | -1.05 pp |
| Return on Assets | 0.87% | +0.17 pp |
| Member Growth | 1.77% | - |
| Loan-to-Share Ratio | 66.78% | +6.98 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - COLUMBIA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $33.8M | - |
| 2025Q4 | $33.1M | 2,129 |
| 2024Q4 | $30.6M | 2,092 |
| 2023Q4 | $31.6M | 2,152 |
Credit Union Details
- Charter Number
- 62930
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Missouri
- City
- Columbia
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, COLUMBIA runs 4 offices in 3 different cities across 3 states.
| Office | City |
|---|---|
| Columbia Credit Union (Main Office) | Columbia, MO |
| University of Missouri Records Center | Columbia, MO |
| CuAnswers | Grand Rapids, MI |
| Co-Op | St Petersburg, FL |
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
Similar total assets
Similar health score
Using this data
- COLUMBIA ranks #418 of 4,374 nationally on financial health and #15 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- District One Highway is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with District One Highway
Frequently Asked Questions
Is COLUMBIA financially healthy?
COLUMBIA has a financial health score of 95/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #418 of 4,374 nationally on health and #15 of 89 in Missouri. Its net worth ratio is 9.76% and its delinquency rate 0.09%.
How does COLUMBIA compare to other credit unions?
COLUMBIA scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (66.78% vs 59.80%). Its widest shortfall is net worth ratio (9.76% vs 14.86%).
How can I join COLUMBIA?
Membership eligibility for COLUMBIA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact COLUMBIA directly for current membership requirements and application steps.
Is my money safe at COLUMBIA?
COLUMBIA 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. COLUMBIA's net worth ratio of 9.76% 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.