State credit union · Topeka, Kansas · NCUA charter #63217
1st Kansas
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $11.8M
- Total assets
- 1,122
- Members
- 19.6%
- Net-worth ratio
1st Kansas scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.8M; members 1,122; net-worth ratio 19.58%; health rank #2,689 of 4,374; healthier than 36th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,689 of 4,374 health · 2025Q41st Kansas · health 80/100 · $11.8M · 2025Q4
- ASSETS 80/100
- MEM 19.6%
- RANK 0.67%
- PHOTO 0.39%
- BOOK $11.8M
- CHARTER 1,122
- NCUSIF #2,689/4,374
- CAMELS SWEMP
- HEALTH 63217
Call Report peers
1st Kansas in the assets neighbourhood
1st Kansas's $11.8M assets sit next to SWEMP ($11.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
1st Kansas vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
1st Kansas - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #63217, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
1st Kansas: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 19.58% vs peer 14.86% (+4.72 pp).
- Loan-to-Share Ratio trails the peer set - 53.80% here, 59.80% peer average (-6.00 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Kansas standing for 1st Kansas
- Health composite ranks #39 of 61 among scored Kansas credit unions.
- By total assets, 1st Kansas is #43 of 61 in Kansas.
- Member book place in Kansas: #44 of 61.
In-state ordinals use the live credit_unions table for KS only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
1st Kansas: 2025Q4 → 2026Q1
1st Kansas: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $11.8M (2025Q4) to $12.2M (2026Q1).
- Net-worth ratio shifted -0.52 pp (20.10% → 19.58%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
19.58% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.3 pts
- Return on Assets 13.3 pts
- Member Growth 2.1 pts
- Loan-to-Share Ratio 11.3 pts
1st Kansas health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.58% | +4.72 pp |
| Delinquency Rate | 0.67% | -0.48 pp |
| Return on Assets | 0.39% | -0.32 pp |
| Member Growth | -3.86% | - |
| Loan-to-Share Ratio | 53.80% | -6.00 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - 1st Kansas
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $12.2M | - |
| 2025Q4 | $11.8M | 1,122 |
| 2024Q4 | $11.0M | 1,167 |
| 2023Q4 | $10.9M | 1,243 |
Credit Union Details
- Charter Number
- 63217
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Kansas
- City
- Topeka
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for 1st Kansas.
| Office | City |
|---|---|
| 1st Kansas Credit Union (Main Office) | Topeka, KS |
| Envista Credit Union | Topeka, KS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kansas
Other federally-insured credit unions in Kansas, closest first by peer group and asset size.
Cross-state Call Report peers for 1st Kansas
1st Kansas's nationwide photo peers by assets and by health score, excluding Kansas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($11.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- 1st Kansas ranks #2,689 of 4,374 nationally on financial health and #39 of 61 in KS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CROSSROADS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CROSSROADS
- Rates and health both vary by institution, not just by state -- see how Kansas credit unions compare overall before assuming this one is typical. Kansas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is 1st Kansas financially healthy?
Yes/no aside, the number is 80/100 (Excellent) - 1st Kansas's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,689 of 4,374; by total assets it ranks #3,462 of 4,374 nationally (same basis as /rankings/largest); and #43 of 61 within Kansas. Above 80 reads excellent, below 50 warrants closer monitoring; a 19.58% net worth ratio and 0.67% delinquency rate are the key drivers.
How does 1st Kansas compare to other credit unions?
Five weighted metrics from NCUA filings produce 1st Kansas's 80/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join 1st Kansas?
Membership eligibility for 1st Kansas depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact 1st Kansas directly for current membership requirements and application steps.
Is my money safe at 1st Kansas?
Federal credit unions like 1st Kansas are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. 1st Kansas's net worth ratio of 19.58% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does 1st Kansas offer compared to banks?
Credit unions like 1st Kansas are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact 1st Kansas directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.