State credit union · SPRINGFIELD, Missouri · NCUA charter #63306
MULTI-STATES
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $85.3M
- Total assets
- 14,918
- Members
- 12.3%
- Net-worth ratio
MULTI-STATES scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $85.3M; members 14,918; net-worth ratio 12.33%; health rank #253 of 4,374; healthier than 93rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#253 of 4,374 health · 2025Q4MULTI-STATES · health 96/100 · $85.3M · 2025Q4
- MEM 96/100
- RANK 12.3%
- PHOTO 0.45%
- BOOK 1.30%
- CHARTER $85.3M
- NCUSIF 14,918
- CAMELS #253/4,374
- HEALTH First Education
- NW 63306
Call Report peers
MULTI-STATES in the assets neighbourhood
MULTI-STATES's $85.3M assets sit next to First Education ($85.3M) 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.
MULTI-STATES 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
96 Top 7% higher than 93% 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
MULTI-STATES - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #63306. See our deposit-insurance coverage note.
Peer-gap read for MULTI-STATES
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +27.33 pp (89.93% vs 62.60%).
- Widest shortfall vs peers is Net Worth Ratio: -1.29 pp (12.33% vs 13.62%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
MULTI-STATES in Missouri
- Health composite ranks #11 of 89 among scored Missouri credit unions.
- Missouri assets place: #34 of 89.
- Missouri membership ordinal: #19 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.
MULTI-STATES Call Report trajectory
MULTI-STATES: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.6% from $85.3M (2025Q4) to $89.2M (2026Q1).
- Net-worth ratio shifted -0.35 pp (12.68% → 12.33%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.33%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 96/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.9 pts
- Loan-to-Share Ratio 15.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.33% | -1.29 pp |
| Delinquency Rate | 0.45% | -0.51 pp |
| Return on Assets | 1.30% | +0.65 pp |
| Member Growth | 1.59% | - |
| Loan-to-Share Ratio | 89.93% | +27.33 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).
Call Report history - MULTI-STATES
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $89.2M | - |
| 2025Q4 | $85.3M | 14,918 |
| 2024Q4 | $82.6M | 14,684 |
| 2023Q4 | $82.7M | 14,306 |
Credit Union Details
- Charter Number
- 63306
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Missouri
- City
- SPRINGFIELD
- Data Quarter
- 2025Q4
Branch Locations (4)
MULTI-STATES operates 4 offices across 3 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | SPRINGFIELD, MO |
| Fort Smith AR | Fort Smith, AR |
| Joplin MO Branch | Joplin, MO |
| Springfield Hospital Branch | SPRINGFIELD, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
More federally-insured credit unions based in Missouri, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
MULTI-STATES's nationwide photo peers by assets and by health score, excluding Missouri charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($85.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
Using this data
- MULTI-STATES ranks #253 of 4,374 nationally on financial health and #11 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- VOLT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with VOLT
- 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 MULTI-STATES financially healthy?
MULTI-STATES has a financial health score of 96/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #253 of 4,374; by total assets it ranks #1,965 of 4,374 nationally (same basis as /rankings/largest); and #34 of 89 within Missouri. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.33% and delinquency rate of 0.45%.
How does MULTI-STATES compare to other credit unions?
On PlainCU's health composite, MULTI-STATES lands at 96/100, 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 MULTI-STATES?
Membership eligibility for MULTI-STATES depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact MULTI-STATES directly for current membership requirements and application steps.
Is my money safe at MULTI-STATES?
Federal credit unions like MULTI-STATES 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. MULTI-STATES's net worth ratio of 12.33% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MULTI-STATES offer compared to banks?
Credit unions like MULTI-STATES 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 MULTI-STATES 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.