State credit union · COFFEYVILLE, Kansas · NCUA charter #61783
CO-OPERATIVE
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $21.4M
- Total assets
- 2,821
- Members
- 13.3%
- Net-worth ratio
CO-OPERATIVE scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $21.4M; members 2,821; net-worth ratio 13.33%; health rank #2,849 of 4,374; healthier than 33rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,849 of 4,374 health · 2025Q4CO-OPERATIVE · health 79/100 · $21.4M · 2025Q4
Call Report peers
CO-OPERATIVE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CO-OPERATIVE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CO-OPERATIVE sits in 75-79 with 502 others.
79 33rd percentile higher than 33% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
CO-OPERATIVE vs $10M–$50M peers
- Largest favorable gap: Delinquency Rate at 0.32% vs peer 1.15% (-0.83 pp).
- Largest lag: Loan-to-Share Ratio at 56.54% vs peer 59.80% (-3.26 pp).
Kansas standing for CO-OPERATIVE
- In Kansas, health place is #40 of 61 on the same NCUA-ratio sort used nationally.
- By total assets, CO-OPERATIVE is #39 of 61 in Kansas.
- Member book place in Kansas: #32 of 61.
- One place up in Kansas, 1st Kansas (#39) scores 80/100, 1 point higher; one place down, Golden Plains (#41) scores 77/100, 2 points lower.
CO-OPERATIVE Call Report trajectory
CO-OPERATIVE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.0% from $21.4M (2025Q4) to $21.4M (2026Q1).
- Net-worth ratio shifted +0.20 pp (13.13% → 13.33%).
At 13.33%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 79/100 score is built
CO-OPERATIVE gives up 21 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.4 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 11.6 pts
CO-OPERATIVE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.33% | -1.53 pp |
| Delinquency Rate | 0.32% | -0.83 pp |
| Return on Assets | 0.33% | -0.38 pp |
| Member Growth | -5.49% | - |
| Loan-to-Share Ratio | 56.54% | -3.26 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - CO-OPERATIVE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $21.4M | - |
| 2025Q4 | $21.4M | 2,821 |
| 2024Q4 | $21.6M | 2,985 |
| 2023Q4 | $22.4M | 3,172 |
Credit Union Details
- Charter Number
- 61783
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Kansas
- City
- COFFEYVILLE
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, CO-OPERATIVE runs one office.
| Office | City |
|---|---|
| Co-Operative (Main Office) | Coffeyville, KS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kansas
A look at other Kansas credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near CO-OPERATIVE
Similar total assets
Using this data
- CO-OPERATIVE ranks #2,849 of 4,374 nationally on financial health and #40 of 61 in KS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Wheat State is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Wheat State
Frequently Asked Questions
Is CO-OPERATIVE financially healthy?
CO-OPERATIVE has a financial health score of 79/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,849 of 4,374 nationally on health and #40 of 61 in Kansas. Its net worth ratio is 13.33% and its delinquency rate 0.32%.
How does CO-OPERATIVE compare to other credit unions?
CO-OPERATIVE scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.32% vs 1.15%). Its widest shortfall is loan-to-share ratio (56.54% vs 59.80%).
How can I join CO-OPERATIVE?
Membership eligibility for CO-OPERATIVE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact CO-OPERATIVE directly for current membership requirements and application steps.
Is my money safe at CO-OPERATIVE?
CO-OPERATIVE is a state-chartered credit union; its shares are federally 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. CO-OPERATIVE's net worth ratio of 13.33% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.