Central Missouri Community Credit Union is headquartered in Warrensburg and is the 24th largest credit union in the state of Missouri. It is also the 1,489th largest credit union in the nation. It was established in 1961 and as of March of 2014, it had grown to 39 employees and 14,850 members. Central Missouri Community Credit Union's savings rates are 92% higher than the national average, and it has a B+ health rating.
Must live or work in Johnson, Pettis, Ray, Carroll, Lafayette or Henry County or the city of Excelsior Springs. Also open to employees and students in the 23 counties of the University of Central Missouri State disrict. - See Details
No reviews have been left for this bank yet. Be the first to review.
The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Central Missouri Community Credit Union had $573,000 in non-current loans and owned real-estate with $7.58 million in equity and loan loss allowances on hand to cover it. This gives Central Missouri Community Credit Union a Texas Ratio of 7.56% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for Central Missouri Community Credit Union experienced no significant changes from 7.30% as of March 31, 2013 to 7.56% as of March 31, 2014, resulting in a negative change of 3.67%. This indicates that the balance sheet and financial strength for Central Missouri Community Credit Union has had no significant changes in recent periods.
In the past year, Central Missouri Community Credit Union has increased its total deposits by $10.97 million, resulting in 12.84% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Central Missouri Community Credit Union has shown is excellent.
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Central Missouri Community Credit Union has $103.63 million in assets with $7.58 million in equity, resulting in a capitalization level of 7.31%, which is below average.
|Assets and Liabilities|
|Equity Capital||$7.17 million|
|Loan Loss Allowance||$409,000|
|Unbacked Noncurrent Loans||$502,000|
|Real Estate Owned||$71,000|
|Historic Data - March 2013|
|Equity Capital||$6.99 million|
|Loan Loss Allowance||$262,000|
|Unbacked Noncurrent Loans||$502,000|
|Real Estate Owned||$0|
|Profit Margin - Quarterly|
|Net Interest Margin||1.19%|
|Return on Assets||0.04%|
|Return on Equity||0.56%|
Always verify rates and promotions with the bank or credit union. We are not Central Missouri Community Credit Union, we are a rate comparison website and can not provide official rates or promotions.
|1.00%||-||-||Christmas Club Account|
|0.15%||-||-||IRA Share Account|
|0.15%||-||-||Kirby Kangaroo Club Account|
|0.15%||-||-||Organization Business Account|
|0.15%||$50||-||Regular Share Account|
|0.15%||$50||-||Trust Share Account|
|0.15%||-||-||Vacation Club Account|
|0.15%||$25k||-||Money Market Account|
|1.01%||$500||-||60 Month Share Certificate|
|0.80%||$500||-||48 Month Share Certificate|
|0.60%||$500||-||36 Month Share Certificate|
|0.50%||$500||-||30 Month Share Certificate|
|0.45%||$500||-||24 Month Share Certificate|
|0.35%||$500||-||18 Month Share Certificate|
|0.30%||$1k||-||12 Month Share Certificate|
|0.20%||$1k||-||6 Month Share Certificate|
|0.15%||$1k||-||3 Month Share Certificate|
|1.01%||$500||-||60 Month IRA Share Certificate|
|0.80%||$500||-||48 Month IRA Share Certificate|
|0.60%||$500||-||36 Month IRA Share Certificate|
|0.50%||$500||-||30 Month IRA Share Certificate|
|0.45%||$500||-||24 Month IRA Share Certificate|
|0.35%||$500||-||18 Month IRA Share Certificate|
|0.30%||$1k||-||12 Month IRA Share Certificate|
|0.20%||$1k||-||6 Month IRA Share Certificate|
|0.15%||$1k||-||3 Month IRA Share Certificate|
|Central Missouri Community Credit Union Locations|
|Branch Office||920 Stonner Loop||Richmond, MO 64085|
|Branch Office||201 S Holden St||Warrensburg, MO 64093|
|Branch Office||3120 W 10th St||Sedalia, MO 65301|