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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#953 of 4,374 health · 2025Q4CSD · health 91/100 · $87.4M · 2025Q4
- HEALTH 91/100
- NW 11.3%
- DELQ 0.32%
- ROA 0.92%
- ASSETS $87.4M
- MEM 5,828
- RANK #953/4,374
- PHOTO Adirondack Regional
- BOOK 62701
Call Report peers
CSD in the assets neighbourhood
CSD's $87.4M assets sit next to Adirondack Regional ($87.3M) 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.
CSD 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
91 Top 23% higher than 77% 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
CSD - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #62701. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
CSD: 2025Q4 → 2026Q1
CSD: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.4% from $87.4M (2025Q4) to $89.4M (2026Q1).
- Net-worth ratio shifted -0.12 pp (11.39% → 11.27%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- 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 |
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).
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
Two NCUA Call Report peer sets for CSD, 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 ($87.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
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
- 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 CSD financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, CSD carries a financial health score of 91/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #953 of 4,374; by total assets it ranks #1,942 of 4,374 nationally (same basis as /rankings/largest); and #33 of 89 within Missouri. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.27% net worth ratio and a 0.32% delinquency rate.
How does CSD compare to other credit unions?
On PlainCU's health composite, CSD lands at 91/100, 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 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?
Federal credit unions like CSD 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. CSD's net worth ratio of 11.27% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CSD offer compared to banks?
Credit unions like CSD 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 CSD 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.