TellerScore

Headquartered in Lees Summit, Missouri, Missouri Central Credit Union is a federally insured state-chartered credit union with $123.3M in total assets and $113.5M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1931.

Missouri Central Credit Union has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 19% of its 1,341 credit unions with $100 million – $1 billion. Among 87 credit unions headquartered in Missouri, it ranks 63rd. Funding & liquidity contributes the most (91/100, 69% loans-to-deposits, 6% uninsured); earnings contributes the least (31/100, 0.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Net worth ratio: 9.27%
Loan quality72/100
Loans 60+ days delinquent ÷ total loans: 0.85%
Earnings31/100
Return on assets (annualized): 0.29%
Funding & liquidity91/100
Loans ÷ shares: 69.0% · 5.9% uninsured
Problem-loan coverage86/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.05%

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

From Q2 2025 to Q2 2026, the score rose 7 points (52 → 59), mostly because the earnings component improved by 31 points.

TellerScore
526169Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202463
Q4 202465
Q1 202569
Q2 202552
Q3 202554
Q4 202557
Q1 202659
Q2 202659
Net worth ratio
7.00%8.88%10.77%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.56%
Q3 202410.75%
Q4 202410.71%
Q1 202510.77%
Q2 20258.81%
Q3 20258.92%
Q4 20259.13%
Q1 20268.98%
Q2 20269.27%
Delinquent loans (60+ days)
0.45%0.65%0.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.74%
Q3 20240.75%
Q4 20240.53%
Q1 20250.45%
Q2 20250.83%
Q3 20250.60%
Q4 20250.55%
Q1 20260.57%
Q2 20260.85%
Return on assets
-1.29%-0.21%0.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.71%
Q3 20240.57%
Q4 20240.52%
Q1 20250.88%
Q2 2025-1.29%
Q3 2025-0.60%
Q4 2025-0.26%
Q1 2026-0.03%
Q2 20260.29%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$123.3M9.27%0.85%0.29%69.0%
Q1 202659$125.1M8.98%0.57%-0.03%69.1%
Q4 202557$123.2M9.13%0.55%-0.26%70.7%
Q3 202554$123.8M8.92%0.60%-0.60%69.2%
Q2 202552$122.7M8.81%0.83%-1.29%68.8%
Q1 202569$78.7M10.77%0.45%0.88%93.0%
Q4 202465$77.5M10.71%0.53%0.52%94.0%
Q3 202463$76.9M10.75%0.75%0.57%92.6%
Q2 202464$77.7M10.56%0.74%0.71%90.8%

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 ratio9.27%
16th
Problem loans0.85%
39th
Net charge-offs0.65%
23rd
Return on assets0.29%
16th
Loans to deposits69.0%
63rd
Uninsured deposits5.9%
50th
Loan-loss reserves0.00%
50th
Texas ratio7.0%
25th

Similar-size credit unions in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Metro Credit UnionCredit union Springfield, MO76 out of 100, Strong$123.0M13.0%0.90%vs
First Missouri Credit UnionCredit union Saint Louis, MO58 out of 100, Moderate$125.1M9.4%0.77%vs
Riverways Federal Credit UnionCredit union Rolla, MO57 out of 100, Moderate$136.7M8.4%1.14%vs
Central Missouri Community Credit UnionCredit union Warrensburg, MO60 out of 100, Moderate$140.2M8.2%0.52%vs
Civic Central Credit UnionCredit union Jefferson City, MO86 out of 100, Very strong$105.0M13.8%0.48%vs
Ozark Federal Credit UnionCredit union Poplar Bluff, MO81 out of 100, Strong$142.5M11.6%0.18%vs

Deposit insurance

Is my money safe at Missouri Central Credit Union?

Yes. Missouri Central Credit Union is a federally insured credit union (NCUA charter #64036). 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 5.9% of shares and deposits ($6.7M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.27%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Missouri Central Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Missouri Central Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64036
RSSD ID
243496
Primary regulator
State + NCUA
Established
1931
Headquarters
P O Box 6617, Lees Summit, MO 64064
Employees
29

Quick answers

Missouri Central Credit Union: common questions

Is Missouri Central Credit Union NCUA insured?

Yes. Missouri Central Credit Union is a federally insured credit union (NCUA charter #64036). 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 Missouri Central Credit Union's TellerScore?

59 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 Missouri Central Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Lees Summit

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers Bank & TrustBank Great Bend, KS96 out of 100, Very strong$1.1B24.0%0.19%vs
The Bank of Grain ValleyBank Grain Valley, MO95 out of 100, Very strong$110.6M24.0%0.00%vs
K.U.M.C. Credit UnionCredit union Shawnee, KS95 out of 100, Very strong$31.4M13.8%0.04%vs
National Advisors Trust CompanyBank Leawood, KS94 out of 100, Very strong$21.6M83.7%0.00%vs
Reliance Credit UnionCredit union Kansas City, KS93 out of 100, Very strong$25.1M16.4%0.30%vs
Independence Teachers Credit UnionCredit union Independence, MO92 out of 100, Very strong$16.5M15.5%0.03%vs