State credit union · Leavenworth, Kansas · NCUA charter #63201
Frontier Community
Health score 72/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $204.6M
- Total assets
- 18,305
- Members
- 8.7%
- Net-worth ratio
Frontier Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #63201. See our deposit-insurance coverage note.
Frontier Community - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)89
- Asset quality (delinquency)76
- Earnings (ROA)10
- Member growth66
- Liquidity (loan-to-share)100
Weighted composite: 72/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.71%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.71% | 30% |
| Delinquency Rate | 1.12% | 25% |
| Return on Assets | -0.33% | 15% |
| Member Growth | 0.77% | 15% |
| Loan-to-Share Ratio | 83.81% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $204.6M | 18,305 |
| 2024Q4 | $200.9M | 18,165 |
| 2023Q4 | $209.2M | 17,748 |
Credit Union Details
- Charter Number
- 63201
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Kansas
- City
- Leavenworth
- Data Quarter
- 2025Q4
What This Data Says About Frontier Community
Charter #63201, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's Frontier Community, a state credit union in Leavenworth, Kansas with 18,305 members, $204.6M in total assets, and $154.5M in outstanding loans as of Q4 2025. The five-factor composite scores it 72/100 (Very Good), helped by a net worth ratio of 8.71% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 1.12% measures loans 60+ days past due against total loans outstanding - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. The loan-to-share ratio of 83.81% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.33% on net income of $-670469 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 0.77%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Kansas
More federally-insured credit unions based in Kansas, 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 Frontier Community financially healthy?
Frontier Community has a financial health score of 72/100 (Very Good) 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 8.71% and delinquency rate of 1.12%.
How does Frontier Community compare to other credit unions?
72/100 is Frontier Community's score on PlainCU's health composite, compared to a peer group average for $100M–$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 Frontier Community?
Membership eligibility for Frontier Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Frontier Community directly for current membership requirements and application steps.
Is my money safe at Frontier Community?
Federal credit unions like Frontier Community 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. Frontier Community's net worth ratio of 8.71% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Frontier Community offer compared to banks?
Credit unions like Frontier Community 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 Frontier Community 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.