Federal credit union · Jefferson City, Missouri · NCUA charter #24955
MULTIPLI
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $1.39B
- Total assets
- 75,379
- Members
- 10.5%
- Net-worth ratio
MULTIPLI scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.39B; members 75,379; net-worth ratio 10.47%; health rank #123 of 4,374; healthier than 97th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#123 of 4,374 health · 2025Q4MULTIPLI · health 98/100 · $1.39B · 2025Q4
- NW 98/100
- DELQ 10.5%
- ROA 0.52%
- ASSETS 0.40%
- MEM $1.39B
- RANK 75,379
- PHOTO #123/4,374
- BOOK Sandia Area
- CHARTER 24955
Call Report peers
MULTIPLI in the assets neighbourhood
MULTIPLI's $1.39B assets sit next to Sandia Area ($1.39B) 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.
MULTIPLI 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
98 Top 3% higher than 97% 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
MULTIPLI - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24955, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
MULTIPLI: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Delinquency Rate: -0.36 pp (0.52% vs 0.87%).
- Loan-to-Share Ratio trails the peer set - 75.11% here, 83.90% peer average (-8.79 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Missouri standing for MULTIPLI
- Missouri health ordinal: #5 of 89.
- By total assets, MULTIPLI is #3 of 89 in Missouri.
- Missouri membership ordinal: #3 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.
How MULTIPLI's 5300 filing moved
MULTIPLI: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $1.39B (2025Q4) to $1.43B (2026Q1).
- Net-worth ratio shifted +0.02 pp (10.45% → 10.47%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.47% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 98/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 98.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.8 pts
- Return on Assets 13.5 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.47% | -0.71 pp |
| Delinquency Rate | 0.52% | -0.36 pp |
| Return on Assets | 0.40% | -0.11 pp |
| Member Growth | 77.00% | - |
| Loan-to-Share Ratio | 75.11% | -8.79 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.43B | - |
| 2025Q4 | $1.39B | 75,379 |
| 2024Q4 | $716.0M | 42,587 |
| 2023Q4 | $508.4M | 30,589 |
Credit Union Details
- Charter Number
- 24955
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Missouri
- City
- Jefferson City
- Data Quarter
- 2025Q4
Branch Locations (13)
The NCUA branch filing lists 13 physical offices for MULTIPLI, spread across 4 cities.
| Office | City |
|---|---|
| Edgewood Branch (Main Office) | Jefferson City, MO |
| Ashland Branch | Ashland, MO |
| Columbia Branch | Columbia, MO |
| Columbia Fairview | Columbia, MO |
| Downtown | Columbia, MO |
| Smiley | Columbia, MO |
| Jefferson City West Branch | Jefferson City, MO |
| Eastland | Jefferson City, MO |
| Edgewood | Jefferson City, MO |
| Southwest | Jefferson City, MO |
| Springfield Benton | Springfield, MO |
| Springfield Primary | Springfield, MO |
| Springfield Republic Rd | 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
Cross-state asset and health neighbours for MULTIPLI - kept outside Missouri; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.39B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (98/100 here).
Using this data
- MULTIPLI ranks #123 of 4,374 nationally on financial health and #5 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- VANTAGE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with VANTAGE
- 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 MULTIPLI financially healthy?
Yes/no aside, the number is 98/100 (Excellent) - MULTIPLI's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #123 of 4,374; by total assets it ranks #358 of 4,374 nationally (same basis as /rankings/largest); and #3 of 89 within Missouri. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.47% net worth ratio and 0.52% delinquency rate are the key drivers.
How does MULTIPLI compare to other credit unions?
PlainCU's health composite puts MULTIPLI at 98/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 MULTIPLI?
MULTIPLI operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact MULTIPLI directly for the exact boundaries and application steps.
Is my money safe at MULTIPLI?
Federal credit unions like MULTIPLI 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. MULTIPLI's net worth ratio of 10.47% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MULTIPLI offer compared to banks?
Credit unions like MULTIPLI 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 MULTIPLI 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.