Civic Central vs District One Highway
Comparing a Credit Union in Jefferson City, MO with a Credit Union in Saint Joseph, MO using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Civic Central ↗ Credit Union · Jefferson City, MO · Est. 1939 | District One Highway ↗ Credit Union · Saint Joseph, MO · Est. 1954 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Jefferson City, MO | Saint Joseph, MO |
| Total assets | $102.4M | $30.4M |
| Net worth ratio | 13.8% | 18.5% |
| Return on assets | 1.1% | 1.2% |
| Shares & deposits | — | — |
| Members | 4,926 | 2,059 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 89 | #6 of 89 |
| Established | 1939 | 1954 |
Civic Central
- Assets: $102.4M
- Members: 4,926
- Capital ratio: 13.8%
- Return on assets: 1.1%
- CFPB complaints: 0
- State rank: #3 of 89
District One Highway
- Assets: $30.4M
- Members: 2,059
- Capital ratio: 18.5%
- Return on assets: 1.2%
- CFPB complaints: 0
- State rank: #6 of 89
Are both institutions federally insured?
Yes. Civic Central is NCUA-insured and District One Highway is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Civic Central or District One Highway?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Civic Central scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Civic Central safe?
Yes — Civic Central is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is District One Highway safe?
Yes — District One Highway is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Civic Central vs District One Highway?
Civic Central has a net worth ratio of 13.8%, placing it in the top 21% of $100M–1B peers. District One Highway's ratio is 18.5%, placing it in the top 27% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Civic Central have compared to District One Highway?
The CFPB database shows 0 complaints against Civic Central, and 0 complaints against District One Highway. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Civic Central with other Credit Unions in Missouri
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
