State credit union · KANSAS CITY, Missouri · NCUA charter #64777
Bluescope Employees'
Health score 40/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 40
- Health / 100
- $1.1M
- Total assets
- 353
- Members
- 8.1%
- Net-worth ratio
Bluescope Employees' scores 40/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.1M; members 353; net-worth ratio 8.06%; health rank #4,342 of 4,374; healthier than 1st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,342 of 4,374 health · 2025Q4Bluescope Employees' · health 40/100 · $1.1M · 2025Q4
- CHARTER 40/100
- NCUSIF 8.1%
- CAMELS 4.50%
- HEALTH -0.07%
- NW $1.1M
- DELQ 353
- ROA #4,342/4,374
- ASSETS n/a
- MEM 64777
Call Report peers
Bluescope Employees' carries $1.1M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Bluescope Employees' 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
40 1st percentile higher than 1% 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
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': Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 52.77% here, 52.70% peer average (+0.07 pp).
- Largest lag: Net Worth Ratio at 8.06% vs peer 22.93% (-14.87 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Missouri standing for Bluescope Employees'
- Missouri health ordinal: #87 of 89.
- Assets rank #87 of 89 inside Missouri ($1.1M reported).
- Membership ranks #86 of 89 among Missouri CUs with a reported count (353 members).
In-state ordinals use the live credit_unions table for MO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Bluescope Employees' Call Report trajectory
Bluescope Employees': total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -35.2% from $1.1M (2025Q4) to $738K (2026Q1).
- Net-worth ratio shifted -4.53 pp (12.59% → 8.06%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.06% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 40/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 40.
- Net Worth Ratio 25.2 pts
- Delinquency Rate 0.0 pts
- Return on Assets 3.9 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.9 pts
Bluescope Employees' health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.06% | -14.87 pp |
| Delinquency Rate | 4.50% | +0.03 pp |
| Return on Assets | -0.07% | -0.29 pp |
| Member Growth | -7.83% | - |
| Loan-to-Share Ratio | 52.77% | +0.07 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Bluescope Employees' filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $738K | - |
| 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
Branch Locations (3)
Per its most recent NCUA branch filing, Bluescope Employees' runs 3 offices.
| Office | City |
|---|---|
| Main Office (Main Office) | Kansas City, MO |
| Main Office | Kansas City, MO |
| Main Office | Kansas City, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
Other federally-insured credit unions in Missouri, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Bluescope Employees', both outside Missouri so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (40/100 here).
Using this data
- Bluescope Employees' ranks #4,342 of 4,374 nationally on financial health and #87 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Co - Lib is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Co - Lib
- Rates and health both vary by institution, not just by state -- see how Missouri credit unions compare overall before assuming this one is typical. Missouri 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 Bluescope Employees' financially healthy?
Yes/no aside, the number is 40/100 (Below Average) - Bluescope Employees''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 #4,342 of 4,374; by total assets it ranks #4,214 of 4,374 nationally (same basis as /rankings/largest); and #87 of 89 within Missouri. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.06% 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 40/100 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 8.06% 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.
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.