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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,089 of 4,374 health · 2025Q4Golden Plains · health 77/100 · $977.2M · 2025Q4
- PHOTO 77/100
- BOOK 13.0%
- CHARTER 1.15%
- NCUSIF 0.80%
- CAMELS $977.2M
- HEALTH 84,566
- NW #3,089/4,374
- DELQ Power Financial
- ROA 62542
Call Report peers
Golden Plains in the assets neighbourhood
Golden Plains's $977.2M assets sit next to Power Financial ($977.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Golden Plains 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
77 28th percentile higher than 28% 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
Golden Plains - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #62542. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for KS only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Golden Plains Call Report trajectory
Golden Plains: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $977.2M (2025Q4) to $1.00B (2026Q1).
- Net-worth ratio shifted -0.07 pp (13.09% → 13.02%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for Golden Plains - kept outside Kansas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($977.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
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
- 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 Golden Plains financially healthy?
Golden Plains scores 77/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,089 of 4,374; by total assets it ranks #474 of 4,374 nationally (same basis as /rankings/largest); and #3 of 61 within Kansas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.02% net worth ratio and a 1.15% delinquency rate.
How does Golden Plains compare to other credit unions?
PlainCU's health composite puts Golden Plains at 77/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like Golden Plains 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. Golden Plains's net worth ratio of 13.02% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Golden Plains offer compared to banks?
Credit unions like Golden Plains 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 Golden Plains 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.