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Overview / Commentary
201 S Holden St
Warrensburg, MO 64093

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.

Field of Membership Restrictions

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

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Data for Q1 2014

Institution Health


Texas Ratio


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.

Texas Ratio Trend


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.

Deposit Growth


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.

Institution Statistics

NCUA #60383
Year Chartered1961
Primary Regulator
Assets and Liabilities
Assets$103.63 million
Loans$55.02 million
Deposits$96.45 million
Equity Capital$7.17 million
Loan Loss Allowance$409,000
Unbacked Noncurrent Loans$502,000
Real Estate Owned$71,000
Historic Data - March 2013
Assets$92.91 million
Equity Capital$6.99 million
Loan Loss Allowance$262,000
Unbacked Noncurrent Loans$502,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.04%
Return on Equity0.56%
Interest Income$813,000
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Central Missouri Community Credit Union Savings Account Rates

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

Central Missouri Community Credit Union Money Market Rates

0.30%$50k-Money Market Account

Central Missouri Community Credit Union CD Rates

1.25%$1k-9 Month Share Certificate
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

Central Missouri Community Credit Union IRA Rates

1.25%$1k-9 Month IRA 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 Office920 Stonner LoopRichmond, MO 64085
Branch Office201 S Holden StWarrensburg, MO 64093
Branch Office3120 W 10th StSedalia, MO 65301