State credit union · Wichita, Kansas · NCUA charter #60062
Credit Union of America
Health score 93/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $1.75B
- Total assets
- 104,691
- Members
- 12.2%
- Net-worth ratio
Credit Union of America - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #60062 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Credit Union of America - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)94
- Earnings (ROA)100
- Member growth96
- Liquidity (loan-to-share)67
Weighted composite: 93/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
12.19% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.19% | 30% |
| Delinquency Rate | 0.64% | 25% |
| Return on Assets | 0.82% | 15% |
| Member Growth | 4.51% | 15% |
| Loan-to-Share Ratio | 101.20% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.75B | 104,691 |
| 2024Q4 | $1.64B | 100,177 |
| 2023Q4 | $1.52B | 95,513 |
Credit Union Details
- Charter Number
- 60062
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Kansas
- City
- Wichita
- Data Quarter
- 2025Q4
What This Data Says About Credit Union of America
The five-factor composite scores Credit Union of America at 93/100 (Excellent), reflecting a net worth ratio of 12.19% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Wichita, Kansas, reports 104,691 members, $1.75B in total assets, and $1.46B in outstanding loans as of Q4 2025 under charter #60062 (peer group Over $500M, a cohort of 749 similarly-sized institutions).
Deposits deployed into lending sit at a 101.20% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.64% of the book 60+ days past due - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Return on assets stands at 0.82% on net income of $14.4M 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 4.51%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
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 Credit Union of America financially healthy?
Yes/no aside, the number is 93/100 (Excellent) - Credit Union of America's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.19% net worth ratio and 0.64% delinquency rate are the key drivers.
How does Credit Union of America compare to other credit unions?
93/100 is Credit Union of America's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Credit Union of America?
Membership eligibility for Credit Union of America depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Credit Union of America directly for current membership requirements and application steps.
Is my money safe at Credit Union of America?
Federal credit unions like Credit Union of America 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. Credit Union of America's net worth ratio of 12.19% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Credit Union of America offer compared to banks?
Credit unions like Credit Union of America 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 Credit Union of America 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.