State credit union · Joplin, Missouri · NCUA charter #64708
LEGACY
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $25.1M
- Total assets
- 3,207
- Members
- 17.1%
- Net-worth ratio
LEGACY scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $25.1M; members 3,207; net-worth ratio 17.09%; health rank #1,398 of 4,374; healthier than 65th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,398 of 4,374 health · 2025Q4LEGACY · health 88/100 · $25.1M · 2025Q4
Call Report peers
LEGACY in the assets neighbourhood
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LEGACY vs every NCUA-scored credit union
LEGACY sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
LEGACY vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +13.80 pp (73.60% vs 59.80%).
- Widest shortfall vs peers is Delinquency Rate: +0.21 pp (1.35% vs 1.15%).
LEGACY: in-state Call Report ranks
- In Missouri, health place is #37 of 89 on the same NCUA-ratio sort used nationally.
- Assets rank #54 of 89 inside Missouri ($25.1M reported).
- Missouri membership ordinal: #49 of 89.
- One place up in Missouri, Sikeston Public Schools (#36) ties at 88/100; one place down, Independence Teachers (#38) scores 87/100, 1 point lower.
How LEGACY's 5300 filing moved
LEGACY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $25.1M (2025Q4) to $25.4M (2026Q1).
- Net-worth ratio shifted +0.17 pp (16.92% → 17.09%).
This credit union's 17.09% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
LEGACY gives up 12 points in total. Delinquency Rate costs the most, 7.6 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.4 pts
- Return on Assets 15.0 pts
- Member Growth 10.6 pts
- Loan-to-Share Ratio 15.0 pts
LEGACY health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.09% | +2.23 pp |
| Delinquency Rate | 1.35% | +0.21 pp |
| Return on Assets | 0.79% | +0.09 pp |
| Member Growth | 1.30% | - |
| Loan-to-Share Ratio | 73.60% | +13.80 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
LEGACY quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $25.4M | - |
| 2025Q4 | $25.1M | 3,207 |
| 2024Q4 | $24.6M | 3,166 |
| 2023Q4 | $20.3M | 1,793 |
Credit Union Details
- Charter Number
- 64708
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Missouri
- City
- Joplin
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, LEGACY runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Legacy Credit Union (Main Office) | Joplin, MO |
| Legacy Credit Union | Neosho, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
Other federally-insured credit unions in Missouri, closest first by peer group and asset size.
Cross-state Call Report peers for LEGACY
Similar total assets
Using this data
- LEGACY ranks #1,398 of 4,374 nationally on financial health and #37 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- COUNTY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with COUNTY
Frequently Asked Questions
Is LEGACY financially healthy?
On its 2025Q4 NCUA 5300 filing, LEGACY scores 88/100 (Excellent), with a 17.09% net worth ratio and 1.35% of loans delinquent. It ranks #1,398 of 4,374 nationally on health and #37 of 89 in Missouri.
How does LEGACY compare to other credit unions?
LEGACY scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (73.60% vs 59.80%). Its widest shortfall is delinquency rate (1.35% vs 1.15%).
How can I join LEGACY?
Membership eligibility for LEGACY depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact LEGACY directly for current membership requirements and application steps.
Is my money safe at LEGACY?
LEGACY 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. LEGACY's net worth ratio of 17.09% 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.