TellerScore

Headquartered in Warrensburg, Missouri, Central Missouri Community Credit Union is a federally insured state-chartered credit union with $140.2M in total assets and $129.5M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1961.

Based on its Q2 2026 filing, Central Missouri Community Credit Union scores 60/100, which we describe as moderate. That is higher than only 21% of 1,341 credit unions with $100 million – $1 billion. Among 87 credit unions headquartered in Missouri, it ranks 62nd. Its strongest component is problem-loan coverage (92/100; 4.2%), and its lowest is capital cushion (32/100; 8.17%).

TellerScore · Q2 2026

Scorecard

Capital cushion32/100
Net worth ratio: 8.17%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.52%
Earnings37/100
Return on assets (annualized): 0.42%
Funding & liquidity89/100
Loans ÷ shares: 71.7% · 3.5% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.20%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (61 → 60).

TellerScore
596163Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202463
Q3 202461
Q4 202463
Q1 202559
Q2 202561
Q3 202563
Q4 202563
Q1 202659
Q2 202660
Net worth ratio
7.00%7.58%8.17%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.36%
Q3 20247.45%
Q4 20247.58%
Q1 20257.57%
Q2 20257.83%
Q3 20257.97%
Q4 20258.17%
Q1 20267.96%
Q2 20268.17%
Delinquent loans (60+ days)
0.28%0.40%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.31%
Q3 20240.43%
Q4 20240.32%
Q1 20250.32%
Q2 20250.38%
Q3 20250.28%
Q4 20250.42%
Q1 20260.44%
Q2 20260.52%
Return on assets
0.19%0.49%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.78%
Q3 20240.69%
Q4 20240.76%
Q1 20250.19%
Q2 20250.48%
Q3 20250.60%
Q4 20250.73%
Q1 20260.27%
Q2 20260.42%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$140.2M8.17%0.52%0.42%71.7%
Q1 202659$141.6M7.96%0.44%0.27%69.9%
Q4 202563$136.8M8.17%0.42%0.73%72.1%
Q3 202563$136.0M7.97%0.28%0.60%71.2%
Q2 202561$134.9M7.83%0.38%0.48%70.7%
Q1 202559$139.1M7.57%0.32%0.19%67.4%
Q4 202463$136.7M7.58%0.32%0.76%68.4%
Q3 202461$135.0M7.45%0.43%0.69%67.9%
Q2 202463$133.9M7.36%0.31%0.78%68.6%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.17%
5th
Problem loans0.52%
63rd
Net charge-offs0.26%
63rd
Return on assets0.42%
25th
Loans to deposits71.7%
58th
Uninsured deposits3.5%
77th
Loan-loss reserves0.00%
50th
Texas ratio4.2%
48th

Similar-size credit unions in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Ozark Federal Credit UnionCredit union Poplar Bluff, MO81 out of 100, Strong$142.5M11.6%0.18%vs
Riverways Federal Credit UnionCredit union Rolla, MO57 out of 100, Moderate$136.7M8.4%1.14%vs
R G Federal Credit UnionCredit union Raymore, MO60 out of 100, Moderate$153.6M10.0%0.58%vs
First Missouri Credit UnionCredit union Saint Louis, MO58 out of 100, Moderate$125.1M9.4%0.77%vs
Missouri Central Credit UnionCredit union Lees Summit, MO59 out of 100, Moderate$123.3M9.3%0.85%vs
Metro Credit UnionCredit union Springfield, MO76 out of 100, Strong$123.0M13.0%0.90%vs

Deposit insurance

Is my money safe at Central Missouri Community Credit Union?

Yes. Central Missouri Community Credit Union is a federally insured credit union (NCUA charter #60383). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.5% of shares and deposits ($4.5M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.17%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Central Missouri Community Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Central Missouri Community Credit Union reported 131 home-loan applications under HMDA (LEI 549300IGNOIAXDMNRD90): 61 originated ($5,545,000 total), 39 denied, and 25 withdrawn or closed by the applicant. Its denial rate on decided applications was 36.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Central Missouri Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60383
RSSD ID
151199
Primary regulator
State + NCUA
Established
1961
Headquarters
620 N Maguire St, Warrensburg, MO 64093
Employees
45

Quick answers

Central Missouri Community Credit Union: common questions

Is Central Missouri Community Credit Union NCUA insured?

Yes. Central Missouri Community Credit Union is a federally insured credit union (NCUA charter #60383). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Central Missouri Community Credit Union's TellerScore?

60 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Central Missouri Community Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Warrensburg

InstitutionScoreAssetsCapitalProblem loansCompare
Wood & Huston BankBank Marshall, MO82 out of 100, Strong$1.2B11.6%0.14%vs
Concordia Bank of Concordia, MissouriBank Concordia, MO80 out of 100, Strong$130.0M11.9%0.32%vs
F & C BankBank Holden, MO78 out of 100, Strong$481.0M11.0%0.38%vs
Academy Bank, National AssociationBank Kansas City, MO73 out of 100, Strong$3.2B14.3%1.05%vs
Bank of OdessaBank Odessa, MO72 out of 100, Strong$667.1M13.7%2.12%vs
The Central Trust BankBank Jefferson City, MO69 out of 100, Moderate$20.3B7.9%0.49%vs