State credit union · SPRINGFIELD, Missouri · NCUA charter #63306
Multi-states
Health score 96/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $85.3M
- Total assets
- 14,918
- Members
- 12.7%
- Net-worth ratio
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.
Multi-states - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth73
- Liquidity (loan-to-share)100
Weighted composite: 96/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 12.68%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.68% | 30% |
| Delinquency Rate | 0.45% | 25% |
| Return on Assets | 1.30% | 15% |
| Member Growth | 1.59% | 15% |
| Loan-to-Share Ratio | 89.93% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Multi-states
The five-factor composite scores Multi-states at 96/100 (Excellent), reflecting a net worth ratio of 12.68% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in SPRINGFIELD, Missouri, reports 14,918 members, $85.3M in total assets, and $66.4M in outstanding loans as of Q4 2025 under charter #63306 (peer group $50M–$100M, a cohort of 584 similarly-sized institutions).
Deposits deployed into lending sit at a 89.93% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.45% of the book 60+ days past due - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Return on assets stands at 1.30% on net income of $1.1M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.59%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Missouri
More federally-insured credit unions based in Missouri, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.68% 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 12.68% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.