State credit union · MARYVILLE, Missouri · NCUA charter #62611
Northwest Missouri Regional
Health score 69/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $11.2M
- Total assets
- 2,303
- Members
- 2.9%
- Net-worth ratio
Northwest Missouri Regional - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #62611: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Northwest Missouri Regional - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)24
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth47
- Liquidity (loan-to-share)100
Weighted composite: 69/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 2.86%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 2.86% | 30% |
| Delinquency Rate | 0.18% | 25% |
| Return on Assets | 0.94% | 15% |
| Member Growth | -1.07% | 15% |
| Loan-to-Share Ratio | 75.33% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $11.2M | 2,303 |
| 2024Q4 | $10.4M | 2,328 |
| 2023Q4 | $10.9M | 2,552 |
Credit Union Details
- Charter Number
- 62611
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Missouri
- City
- MARYVILLE
- Data Quarter
- 2025Q4
What This Data Says About Northwest Missouri Regional
Headquartered in MARYVILLE, Missouri, Northwest Missouri Regional is a state credit union with 2,303 members, $11.2M in total assets, and $7.4M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 69/100 (Good), driven in part by a net worth ratio of 2.86% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #62611 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Deposits deployed into lending sit at a 75.33% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.18% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Return on assets stands at 0.94% on net income of $105K 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 -1.07%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Missouri
A look at other Missouri credit unions, ranked by how closely their peer group and asset size match this one.
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 Northwest Missouri Regional financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Northwest Missouri Regional carries a financial health score of 69/100 (Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 2.86% net worth ratio and a 0.18% delinquency rate.
How does Northwest Missouri Regional compare to other credit unions?
Northwest Missouri Regional scores 69/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Northwest Missouri Regional?
Membership eligibility for Northwest Missouri Regional depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Northwest Missouri Regional directly for current membership requirements and application steps.
Is my money safe at Northwest Missouri Regional?
Federal credit unions like Northwest Missouri Regional 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. Northwest Missouri Regional's net worth ratio of 2.86% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Northwest Missouri Regional offer compared to banks?
Credit unions like Northwest Missouri Regional 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 Northwest Missouri Regional 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.