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.
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NCUA 5300 Call Report Masthead
#253 of 4,374 health · 2025Q4MULTI-STATES · health 96/100 · $85.3M · 2025Q4
Call Report peers
MULTI-STATES in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); MULTI-STATES sits in 95-99 with 391 others.
96 Top 7% higher than 93% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Missouri, Public Safety (#10) ties at 96/100; one place down, Missouri Electric Cooperatives Empl (#12) ties at 96/100.
MULTI-STATES Call Report trajectory
MULTI-STATES: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.6% from $85.3M (2025Q4) to $89.2M (2026Q1).
- Net-worth ratio shifted -0.35 pp (12.68% → 12.33%).
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
MULTI-STATES gives up 4 points in total. Member Growth costs the most, 4.1 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is MULTI-STATES financially healthy?
MULTI-STATES has a financial health score of 96/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #253 of 4,374 nationally on health and #11 of 89 in Missouri. Its net worth ratio is 12.33% and its delinquency rate 0.45%.
How does MULTI-STATES compare to other credit unions?
MULTI-STATES scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (89.93% vs 62.60%). Its widest shortfall is net worth ratio (12.33% vs 13.62%).
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?
MULTI-STATES 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. MULTI-STATES's net worth ratio of 12.33% 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.