Multi-States Credit Union
Total assets
$89.2M
▲ +6.3% YoY
Shares & deposits
$77.4M
▲ +5.5% YoY
Loans
$67.5M
▲ +2.4% YoY
Members
14,968
▲ +1.6% YoY
ROA (annualized)
0.82%
peers 0.60%
ROE (annualized)
6.66%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +1.3% | +5.0 pts |
| Share growth (YoY) | +5.5% | +0.7% | +4.8 pts |
| Loan growth (YoY) | +2.4% | -2.4% | +4.8 pts |
| ROA | 0.82% | 0.60% | +0.2 pts |
| ROE | 6.7% | 4.1% | +2.6 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
Profile
- Established
- 1975
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 1444 E Sunshine St, Springfield, MO, 65804
- NCUA charter #
- 63306
- RSSD ID
- 133896
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $89.2M | $77.4M | $67.5M | $11.0M | $183K | 0.82% | 3.94% | 0.10% | 14,968 |
| Q4 2025 | $85.3M | $73.8M | $66.4M | $10.8M | $1.2M | 1.45% | 4.22% | 0.45% | 14,918 |
| Q3 2025 | $84.3M | $73.1M | $67.6M | $10.5M | $962K | 1.52% | 4.25% | 0.26% | 14,892 |
| Q2 2025 | $85.9M | $75.0M | $66.3M | $10.2M | $646K | 1.50% | 4.13% | 0.07% | 14,821 |
| Q1 2025 | $83.9M | $73.4M | $65.9M | $9.9M | $371K | 1.77% | 4.18% | 0.19% | 14,739 |
| Q4 2024 | $82.6M | $72.4M | $64.1M | $9.6M | $1.1M | 1.35% | 3.81% | 0.26% | 14,684 |
| Q3 2024 | $82.5M | $72.6M | $64.1M | $9.3M | $808K | 1.31% | 3.71% | 0.17% | 14,577 |
| Q2 2024 | $84.3M | $74.3M | $64.6M | $8.9M | $482K | 1.14% | 3.49% | 0.22% | 14,460 |
Loan mix (Q1 2026): real estate $17.6M · commercial $0 · consumer $45.4M · securities $8.6M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 0.60% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 4.1% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.83% | 55th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.8% | 81.5% | 60th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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