State credit union · Springfield, Missouri · NCUA charter #63389
VOLT
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $83.4M
- Total assets
- 6,969
- Members
- 8.6%
- Net-worth ratio
VOLT scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $83.4M; members 6,969; net-worth ratio 8.63%; health rank #1,350 of 4,374; healthier than 69th of scored peers.
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NCUA 5300 Call Report Masthead
#1,350 of 4,374 health · 2025Q4VOLT · health 89/100 · $83.4M · 2025Q4
Call Report peers
VOLT in the assets neighbourhood
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VOLT vs every NCUA-scored credit union
VOLT sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where VOLT diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 79.40% vs peer 62.60% (+16.80 pp).
- Widest shortfall vs peers is Net Worth Ratio: -4.99 pp (8.63% vs 13.62%).
Where VOLT sits in Missouri
- Health composite ranks #33 of 89 among scored Missouri credit unions.
- Missouri assets place: #35 of 89.
- Missouri membership ordinal: #35 of 89.
- One place up in Missouri, STATIONERY (#32) ties at 89/100; one place down, LUTHERAN (#34) ties at 89/100.
VOLT Call Report trajectory
VOLT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $83.4M (2025Q4) to $84.2M (2026Q1).
- Net-worth ratio shifted -0.46 pp (9.09% → 8.63%).
This credit union's 8.63% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
VOLT gives up 11 points in total. Member Growth costs the most, 3.9 of its 15; Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 26.6 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.6 pts
- Member Growth 11.1 pts
- Loan-to-Share Ratio 14.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.63% | -4.99 pp |
| Delinquency Rate | 0.30% | -0.66 pp |
| Return on Assets | 0.28% | -0.38 pp |
| Member Growth | 1.74% | - |
| Loan-to-Share Ratio | 79.40% | +16.80 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
VOLT filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $84.2M | - |
| 2025Q4 | $83.4M | 6,969 |
| 2024Q4 | $86.2M | 6,850 |
| 2023Q4 | $88.7M | 7,808 |
Credit Union Details
- Charter Number
- 63389
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Missouri
- City
- Springfield
- Data Quarter
- 2025Q4
Branch Locations (3)
VOLT operates 3 offices in Springfield, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Republic Road (Main Office) | Springfield, MO |
| Kansas & Kearney | Springfield, MO |
| Hillcrest HS | Springfield, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Cross-state Call Report peers for VOLT
Similar total assets
Using this data
- VOLT ranks #1,350 of 4,374 nationally on financial health and #33 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MULTI-STATES is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MULTI-STATES
Frequently Asked Questions
Is VOLT financially healthy?
VOLT has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,350 of 4,374 nationally on health and #33 of 89 in Missouri. Its net worth ratio is 8.63% and its delinquency rate 0.30%.
How does VOLT compare to other credit unions?
VOLT scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (79.40% vs 62.60%). Its widest shortfall is net worth ratio (8.63% vs 13.62%).
How can I join VOLT?
Membership eligibility for VOLT depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact VOLT directly for current membership requirements and application steps.
Is my money safe at VOLT?
VOLT 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. VOLT's net worth ratio of 8.63% 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.