State credit union · Kansas City, Missouri · NCUA charter #64762
Catholic Family
Health score 45/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 45
- Health / 100
- $16.8M
- Total assets
- 2,388
- Members
- 5.3%
- Net-worth ratio
Catholic Family - Share Insurance Coverage
Charter #64762'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.
Catholic Family - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)44
- Asset quality (delinquency)0
- Earnings (ROA)85
- Member growth58
- Liquidity (loan-to-share)65
Weighted composite: 45/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 5.29% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 5.29% | 30% |
| Delinquency Rate | 4.32% | 25% |
| Return on Assets | 0.35% | 15% |
| Member Growth | -0.13% | 15% |
| Loan-to-Share Ratio | 42.50% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $16.8M | 2,388 |
| 2024Q4 | $16.3M | 2,391 |
| 2023Q4 | $16.4M | 2,404 |
Credit Union Details
- Charter Number
- 64762
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Missouri
- City
- Kansas City
- Data Quarter
- 2025Q4
What This Data Says About Catholic Family
The five-factor composite scores Catholic Family at 45/100 (Below Average), reflecting a net worth ratio of 5.29% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Kansas City, Missouri, reports 2,388 members, $16.8M in total assets, and $6.5M in outstanding loans as of Q4 2025 under charter #64762 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 4.32% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. The loan-to-share ratio of 42.50% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.35% on net income of $59K 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 -0.13%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Missouri
More federally-insured credit unions based in Missouri, ordered by peer group match 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 Catholic Family financially healthy?
Catholic Family has a financial health score of 45/100 (Below Average) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 5.29% and delinquency rate of 4.32%.
How does Catholic Family compare to other credit unions?
Catholic Family scores 45/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Catholic Family?
Membership eligibility for Catholic Family depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Catholic Family directly for current membership requirements and application steps.
Is my money safe at Catholic Family?
Federal credit unions like Catholic Family 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. Catholic Family's net worth ratio of 5.29% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Catholic Family offer compared to banks?
Credit unions like Catholic Family 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 Catholic Family 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.