C & R

C & R is a state credit union headquartered in Clay Center, Kansas, serving 674 members with $4.1M in total assets and $2.9M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 53/100 (Fair), anchored by a net worth ratio of 12.20% — above the 7.0% threshold the NCUA uses to classify a credit union as "well capitalized" under Prompt Corrective Action rules. Charter #67783 operates under peer group $2M–$10M, a cohort of 566 similarly-sized institutions.

Loan book quality and earnings power round out the picture. The delinquency rate of 2.90% measures loans 60+ days past due against total loans outstanding — the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Return on assets comes in at 0.00%, reflecting the not-for-profit cooperative model where surplus earnings flow back to members as better rates and lower fees rather than to shareholders. The loan-to-share ratio of 81.93% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management.

Every deposit account at C & R is federally insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000 per depositor, per ownership category — identical coverage to FDIC insurance at banks. Year-over-year membership changed by -2.60%, and the institution reports against the NCUA 5300 Call Report on a quarterly cadence, so the figures above reflect the 2025Q4 reporting period. This page is informational only and is not a recommendation, solicitation, or financial advice; credit union performance can change materially quarter to quarter, membership eligibility depends on the stated field of membership (currently: Other), and current deposit and loan rates should be verified directly with C & R before opening any account or borrowing.