Independence, MO · State Credit Union · Chartered in MO
Who can join
State government employees (special charter)
Members
16,726
Net Worth Ratio
11.78%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$216.5M
Total Shares
$189.5M
Total Loans
$156.1M
Net Worth Ratio
11.78%
≥7% = Well Capitalized
Members
16,726
Delinquency Rate (60d+)
0.56%
$875K
Loan-to-share ratio: 82.4%· healthy range 60–80%
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 34 | 4 | 12 | 11.8% | 35.3% |
| 2022 | 82 | 32 | 16 | 39.0% | 19.5% |
| 2021 | 148 | 73 | 25 | 49.3% | 16.9% |
Last 12 Months
0
Since 2018
81
all complaints on record
Monetary Relief
0%
% of complaints with monetary relief
Untimely Response
4%
% exceeding 15-day window
Monthly Complaints (2021–present)
Data through Apr 2021.Last 12 months shown — upgrade for full history.
Savage
1111 E 23rd St S, Independence, MO, 64055
9:30 a.m. to 5:30p.m.
Truman
400 W US Highway 24, Independence, MO, 64050
9:30 a.m. to 5:30 p.m.
Raytown
8730 E 63rd St, Raytown, MO, 64133
9:30 a.m. to 5:30 p.m.
South Belt
724 N Belt Hwy, Saint Joseph, MO, 64506-3011
9:30 a.m. to 5:30 p.m.
Olathe
1105 W Dennis Ave, Olathe, KS, 66061
9:30 a.m. to 5:30 p.m.
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<a href="https://bankscorer.com/credit-union/united-consumers" target="_blank" rel="noopener">View UNITED CONSUMERS on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
2021–2025 locked
Full 2021–present history available — see pricing from $14/mo.