State credit union · KANSAS CITY, Missouri · NCUA charter #62701
CSD
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $87.4M
- Total assets
- 5,828
- Members
- 11.3%
- Net-worth ratio
CSD scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $87.4M; members 5,828; net-worth ratio 11.27%; health rank #953 of 4,374; healthier than 77th of scored peers.
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NCUA 5300 Call Report Masthead
#953 of 4,374 health · 2025Q4CSD · health 91/100 · $87.4M · 2025Q4
Call Report peers
CSD in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CSD vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CSD sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
CSD: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.32% vs peer 0.96% (-0.64 pp).
- Loan-to-Share Ratio trails the peer set - 49.43% here, 62.60% peer average (-13.17 pp).
Where CSD sits in Missouri
- In Missouri, health place is #29 of 89 on the same NCUA-ratio sort used nationally.
- Assets rank #33 of 89 inside Missouri ($87.4M reported).
- Member book place in Missouri: #38 of 89.
- One place up in Missouri, FEDCO (#28) scores 92/100, 1 point higher; one place down, First Missouri (#30) scores 90/100, 1 point lower.
CSD: 2025Q4 → 2026Q1
CSD: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $87.4M (2025Q4) to $89.4M (2026Q1).
- Net-worth ratio shifted -0.12 pp (11.39% → 11.27%).
At 11.27%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
CSD gives up 9 points in total. Member Growth costs the most, 4.9 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 10.1 pts
- Loan-to-Share Ratio 10.9 pts
CSD health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.27% | -2.35 pp |
| Delinquency Rate | 0.32% | -0.64 pp |
| Return on Assets | 0.92% | +0.26 pp |
| Member Growth | 0.92% | - |
| Loan-to-Share Ratio | 49.43% | -13.17 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
CSD quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $89.4M | - |
| 2025Q4 | $87.4M | 5,828 |
| 2024Q4 | $77.0M | 5,775 |
| 2023Q4 | $74.5M | 5,716 |
Credit Union Details
- Charter Number
- 62701
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Missouri
- City
- KANSAS CITY
- Data Quarter
- 2025Q4
Branch Locations (2)
CSD operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| CSD CREDIT UNION (Main Office) | KANSAS CITY, MO |
| NORTHLAND BRANCH | GLADSTONE, 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
Similar total assets
Similar health score
Using this data
- CSD ranks #953 of 4,374 nationally on financial health and #29 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GOETZ is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GOETZ
Frequently Asked Questions
Is CSD financially healthy?
On its 2025Q4 NCUA 5300 filing, CSD scores 91/100 (Excellent), with a 11.27% net worth ratio and 0.32% of loans delinquent. It ranks #953 of 4,374 nationally on health and #29 of 89 in Missouri.
How does CSD compare to other credit unions?
CSD scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.32% vs 0.96%). Its widest shortfall is loan-to-share ratio (49.43% vs 62.60%).
How can I join CSD?
Membership eligibility for CSD depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact CSD directly for current membership requirements and application steps.
Is my money safe at CSD?
CSD 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. CSD's net worth ratio of 11.27% 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.