State credit union · KANSAS CITY, Missouri · NCUA charter #63388
Kansas City
Health score 47/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 47
- Health / 100
- $46.6M
- Total assets
- 5,086
- Members
- 8.4%
- Net-worth ratio
Kansas City scores 47/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $46.6M; members 5,086; net-worth ratio 8.36%; health rank #4,300 of 4,374; healthier than 2nd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,300 of 4,374 health · 2025Q4Kansas City · health 47/100 · $46.6M · 2025Q4
Call Report peers
Kansas City in the assets neighbourhood
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Kansas City vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Kansas City sits in 45-49 with 39 others.
47 2nd percentile higher than 2% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Kansas City: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 78.64% vs peer 59.80% (+18.84 pp).
- Largest lag: Net Worth Ratio at 8.36% vs peer 14.86% (-6.50 pp).
Kansas City: in-state Call Report ranks
- Health composite ranks #86 of 89 among scored Missouri credit unions.
- Assets rank #44 of 89 inside Missouri ($46.6M reported).
- Missouri membership ordinal: #42 of 89.
- One place up in Missouri, Gateway Metro (#85) scores 49/100, 2 points higher; one place down, Bluescope Employees' (#87) scores 40/100, 7 points lower.
Quarter path for Kansas City
Kansas City: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $46.6M (2025Q4) to $47.7M (2026Q1).
- Net-worth ratio shifted +0.02 pp (8.34% → 8.36%).
At 8.36%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 47/100 score is built
Kansas City gives up 53 points in total. Delinquency Rate costs the most, 21 of its 25; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 25.9 pts
- Delinquency Rate 4.0 pts
- Return on Assets 0.0 pts
- Member Growth 1.9 pts
- Loan-to-Share Ratio 15.2 pts
Call Report ratios for Kansas City
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.36% | -6.50 pp |
| Delinquency Rate | 3.37% | +2.22 pp |
| Return on Assets | -2.26% | -2.97 pp |
| Member Growth | -3.97% | - |
| Loan-to-Share Ratio | 78.64% | +18.84 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $47.7M | - |
| 2025Q4 | $46.6M | 5,086 |
| 2024Q4 | $45.8M | 5,296 |
| 2023Q4 | $58.0M | 5,783 |
Credit Union Details
- Charter Number
- 63388
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Missouri
- City
- KANSAS CITY
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Kansas City runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Main (Main Office) | Kansas City, MO |
| North Oak | Gladstone, MO |
| City Hall | Kansas City, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
More federally-insured credit unions based in Missouri, ordered by peer group match and asset size.
Cross-state Call Report peers for Kansas City
Using this data
- Kansas City ranks #4,300 of 4,374 nationally on financial health and #86 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Holy Rosary is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Holy Rosary
Frequently Asked Questions
Is Kansas City financially healthy?
On its 2025Q4 NCUA 5300 filing, Kansas City scores 47/100 (Below Average), with a 8.36% net worth ratio and 3.37% of loans delinquent. It ranks #4,300 of 4,374 nationally on health and #86 of 89 in Missouri.
How does Kansas City compare to other credit unions?
Kansas City scores 47/100, higher than 2% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (78.64% vs 59.80%). Its widest shortfall is net worth ratio (8.36% vs 14.86%).
How can I join Kansas City?
Membership eligibility for Kansas City depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Kansas City directly for current membership requirements and application steps.
Is my money safe at Kansas City?
Kansas City 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. Kansas City's net worth ratio of 8.36% 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.