State credit union · KANSAS CITY, Missouri · NCUA charter #64777
Bluescope Employees'
Health score 45/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 45
- Health / 100
- $1.1M
- Total assets
- 353
- Members
- 12.6%
- Net-worth ratio
Bluescope Employees' - Share Insurance Coverage
Charter #64777's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Bluescope Employees' - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)26
- Member growth0
- Liquidity (loan-to-share)74
Weighted composite: 45/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 12.59% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.59% | 30% |
| Delinquency Rate | 4.50% | 25% |
| Return on Assets | -0.07% | 15% |
| Member Growth | -7.83% | 15% |
| Loan-to-Share Ratio | 52.77% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.1M | 353 |
| 2024Q4 | $1.3M | 383 |
| 2023Q4 | $1.6M | 393 |
Credit Union Details
- Charter Number
- 64777
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Missouri
- City
- KANSAS CITY
- Data Quarter
- 2025Q4
What This Data Says About Bluescope Employees'
Charter #64777, peer group Under $2M, a cohort of 243 similarly-sized institutions: that's Bluescope Employees', a state credit union in KANSAS CITY, Missouri with 353 members, $1.1M in total assets, and $525K in outstanding loans as of Q4 2025. The five-factor composite scores it 45/100 (Below Average), helped by a net worth ratio of 12.59% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 52.77% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 4.50% of the book 60+ days past due - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. Return on assets stands at -0.07% on net income of $-770 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -7.83%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Missouri
Other federally-insured credit unions in Missouri, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Bluescope Employees' financially healthy?
Yes/no aside, the number is 45/100 (Below Average) - Bluescope Employees''s financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.59% net worth ratio and 4.50% delinquency rate are the key drivers.
How does Bluescope Employees' compare to other credit unions?
Five weighted metrics from NCUA filings produce Bluescope Employees''s 45/100 score on PlainCU's health composite, compared to a peer group average for Under $2M 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 Bluescope Employees'?
Membership eligibility for Bluescope Employees' depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Bluescope Employees' directly for current membership requirements and application steps.
Is my money safe at Bluescope Employees'?
Federal credit unions like Bluescope Employees' 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. Bluescope Employees''s net worth ratio of 12.59% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Bluescope Employees' offer compared to banks?
Credit unions like Bluescope Employees' 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 Bluescope Employees' directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.