State credit union · Salina, Kansas · NCUA charter #61765
Central Kansas Education
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $5.6M
- Total assets
- 796
- Members
- 13.2%
- Net-worth ratio
Central Kansas Education scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.6M; members 796; net-worth ratio 13.21%; health rank #1,629 of 4,374; healthier than 60th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,629 of 4,374 health · 2025Q4Central Kansas Education · health 87/100 · $5.6M · 2025Q4
- ASSETS 87/100
- MEM 13.2%
- RANK 0.55%
- PHOTO 0.22%
- BOOK $5.6M
- CHARTER 796
- NCUSIF #1,629/4,374
- CAMELS n/a
- HEALTH 61765
Central Kansas Education carries $5.6M 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.
Central Kansas Education 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
87 Top 40% higher than 60% 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
Central Kansas Education - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #61765 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Central Kansas Education diverges from peer averages
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +35.69 pp (99.29% vs 63.60%).
- Widest shortfall vs peers is Net Worth Ratio: -5.85 pp (13.21% vs 19.06%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Central Kansas Education sits in Kansas
- In Kansas, health place is #17 of 61 on the same NCUA-ratio sort used nationally.
- By total assets, Central Kansas Education is #50 of 61 in Kansas.
- Membership ranks #48 of 61 among Kansas CUs with a reported count (796 members).
In-state ordinals use the live credit_unions table for KS only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Central Kansas Education: 2025Q4 → 2026Q1
Central Kansas Education: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +8.1% from $5.6M (2025Q4) to $6.0M (2026Q1).
- Net-worth ratio shifted -0.85 pp (14.06% → 13.21%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 13.21% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.5 pts
- Return on Assets 10.8 pts
- Member Growth 10.8 pts
- Loan-to-Share Ratio 10.9 pts
Central Kansas Education health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.21% | -5.85 pp |
| Delinquency Rate | 0.55% | -1.26 pp |
| Return on Assets | 0.22% | -0.23 pp |
| Member Growth | 1.53% | - |
| Loan-to-Share Ratio | 99.29% | +35.69 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.0M | - |
| 2025Q4 | $5.6M | 796 |
| 2024Q4 | $5.2M | 784 |
| 2023Q4 | $5.0M | 824 |
Credit Union Details
- Charter Number
- 61765
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Kansas
- City
- Salina
- Data Quarter
- 2025Q4
Branch Location
Central Kansas Education operates a single office in Salina, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| CENTRAL KANSAS EDUCATION CREDIT UNION (Main Office) | Salina, KS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kansas
More federally-insured credit unions based in Kansas, ordered by peer group match and asset size.
Cross-state Call Report peers for Central Kansas Education
Two NCUA Call Report peer sets for Central Kansas Education, both outside Kansas 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 (87/100 here).
Using this data
- Central Kansas Education ranks #1,629 of 4,374 nationally on financial health and #17 of 61 in KS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TRI-COUNTY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TRI-COUNTY
- 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 Central Kansas Education financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Central Kansas Education carries a financial health score of 87/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,629 of 4,374; by total assets it ranks #3,832 of 4,374 nationally (same basis as /rankings/largest); and #50 of 61 within Kansas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.21% net worth ratio and a 0.55% delinquency rate.
How does Central Kansas Education compare to other credit unions?
Five weighted metrics from NCUA filings produce Central Kansas Education's 87/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 Central Kansas Education?
Membership eligibility for Central Kansas Education depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Central Kansas Education directly for current membership requirements and application steps.
Is my money safe at Central Kansas Education?
Federal credit unions like Central Kansas Education 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. Central Kansas Education's net worth ratio of 13.21% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Central Kansas Education offer compared to banks?
Credit unions like Central Kansas Education 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 Central Kansas Education 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.