State credit union · Garden City, Kansas · NCUA charter #62542
Golden Plains
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $977.2M
- Total assets
- 84,566
- Members
- 13.0%
- Net-worth ratio
Golden Plains scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $977.2M; members 84,566; net-worth ratio 13.02%; health rank #3,089 of 4,374; healthier than 28th of scored peers.
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NCUA 5300 Call Report Masthead
#3,089 of 4,374 health · 2025Q4Golden Plains · health 77/100 · $977.2M · 2025Q4
Call Report peers
Golden Plains in the assets neighbourhood
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Golden Plains vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Golden Plains sits in 75-79 with 502 others.
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Golden Plains
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +15.17 pp (99.07% vs 83.90%).
- Delinquency Rate trails the peer set - 1.15% here, 0.87% peer average (+0.28 pp).
Golden Plains in Kansas
- In Kansas, health place is #41 of 61 on the same NCUA-ratio sort used nationally.
- Kansas assets place: #3 of 61.
- Membership ranks #2 of 61 among Kansas CUs with a reported count (84,566 members).
- One place up in Kansas, CO-OPERATIVE (#40) scores 79/100, 2 points higher; one place down, TRI-COUNTY (#42) scores 75/100, 2 points lower.
Golden Plains Call Report trajectory
Golden Plains: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $977.2M (2025Q4) to $1.00B (2026Q1).
- Net-worth ratio shifted -0.07 pp (13.09% → 13.02%).
13.02% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 77/100 score is built
Golden Plains gives up 23 points in total. Member Growth costs the most, 13 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.9 pts
- Return on Assets 15.0 pts
- Member Growth 2.0 pts
- Loan-to-Share Ratio 11.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.02% | +1.84 pp |
| Delinquency Rate | 1.15% | +0.28 pp |
| Return on Assets | 0.80% | +0.29 pp |
| Member Growth | -3.90% | - |
| Loan-to-Share Ratio | 99.07% | +15.17 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Golden Plains quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.00B | - |
| 2025Q4 | $977.2M | 84,566 |
| 2024Q4 | $992.3M | 88,001 |
| 2023Q4 | $992.3M | 89,448 |
Credit Union Details
- Charter Number
- 62542
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Kansas
- City
- Garden City
- Data Quarter
- 2025Q4
Branch Locations (12)
The NCUA branch filing lists 12 physical offices for Golden Plains, spread across 11 cities.
| Office | City |
|---|---|
| GPCU-Garden City (Main Office) | Garden City, KS |
| GPCU-Taylor Plaza | Garden City, KS |
| GPCU-Hays | Hays, KS |
| GPCU-Haysville | Haysville, KS |
| GPCU-Hesston | Hesston, KS |
| GPCU-Lakin | Lakin, KS |
| GPCU-Liberal | Liberal, KS |
| GPCU-Parsons | Parsons, KS |
| GPCU-Phillipsburg | Phillipsburg, KS |
| GPCU-Quinter | Quinter, KS |
| GPCU-Ulysses | Ulysses, KS |
| GPCU-Corporate Hills | Wichita, KS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kansas
Other federally-insured credit unions in Kansas, closest first by peer group and asset size.
Cross-state Call Report peers for Golden Plains
Similar total assets
Similar health score
Using this data
- Golden Plains ranks #3,089 of 4,374 nationally on financial health and #41 of 61 in KS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MAZUMA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MAZUMA
Frequently Asked Questions
Is Golden Plains financially healthy?
Golden Plains has a financial health score of 77/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,089 of 4,374 nationally on health and #41 of 61 in Kansas. Its net worth ratio is 13.02% and its delinquency rate 1.15%.
How does Golden Plains compare to other credit unions?
Golden Plains scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (99.07% vs 83.90%). Its widest shortfall is delinquency rate (1.15% vs 0.87%).
How can I join Golden Plains?
Membership eligibility for Golden Plains depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Golden Plains directly for current membership requirements and application steps.
Is my money safe at Golden Plains?
Golden Plains 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. Golden Plains's net worth ratio of 13.02% 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.