State credit union · KANSAS CITY, Missouri · NCUA charter #64939
K.C. Area
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $11.2M
- Total assets
- 1,963
- Members
- 17.1%
- Net-worth ratio
K.C. Area scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.2M; members 1,963; net-worth ratio 17.10%; health rank #3,153 of 4,374; healthier than 26th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,153 of 4,374 health · 2025Q4K.C. Area · health 76/100 · $11.2M · 2025Q4
Call Report peers
K.C. Area in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
K.C. Area vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); K.C. Area sits in 75-79 with 502 others.
76 26th percentile higher than 26% 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 K.C. Area
- Net Worth Ratio leads the peer set - 17.10% here, 14.86% peer average (+2.24 pp).
- Loan-to-Share Ratio trails the peer set - 40.27% here, 59.80% peer average (-19.53 pp).
K.C. Area in Missouri
- Missouri health ordinal: #65 of 89.
- Missouri assets place: #68 of 89.
- Membership ranks #59 of 89 among Missouri CUs with a reported count (1,963 members).
- One place up in Missouri, West Community (#64) scores 77/100, 1 point higher; one place down, St. Joseph Teachers' (#66) scores 75/100, 1 point lower.
How K.C. Area's 5300 filing moved
K.C. Area: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $11.2M (2025Q4) to $11.5M (2026Q1).
- Net-worth ratio shifted -0.33 pp (17.43% → 17.10%).
17.10% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 76/100 score is built
K.C. Area gives up 24 points in total. Member Growth costs the most, 12.6 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.3 pts
- Return on Assets 15.0 pts
- Member Growth 2.4 pts
- Loan-to-Share Ratio 9.3 pts
Call Report ratios for K.C. Area
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.10% | +2.24 pp |
| Delinquency Rate | 1.10% | -0.05 pp |
| Return on Assets | 0.75% | +0.04 pp |
| Member Growth | -3.68% | - |
| Loan-to-Share Ratio | 40.27% | -19.53 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
K.C. Area filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $11.5M | - |
| 2025Q4 | $11.2M | 1,963 |
| 2024Q4 | $10.7M | 2,038 |
| 2023Q4 | $10.4M | 2,149 |
Credit Union Details
- Charter Number
- 64939
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Missouri
- City
- KANSAS CITY
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, K.C. Area runs 4 offices in 3 different cities across 2 states.
| Office | City |
|---|---|
| K C Area Credit Union (Main Office) | Kansas City, MO |
| KC Area Credit Union--Fairfax Branch | Kansas City, KS |
| Summit Ridge Credit Union | Lees Summit, MO |
| Systronics, Inc | Olathe, KS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
A look at other Missouri credit unions, ranked by how closely their peer group and asset size match this one.
- NORTHWEST MISSOURI REGIONALMARYVILLE, MO · $10M–$50M92Health
- BURLINGTON NORTHTOWN COMMUNITYNorth Kansas Ci, MO · $10M–$50M82Health
- DIVISION #6 HIGHWAYChesterfield, MO · $10M–$50M94Health
- INDEPENDENCE TEACHERSIndependence, MO · $10M–$50M87Health
- ACADEMIC EMPLOYEESColumbia, MO · $10M–$50M74Health
Other-state peers near K.C. Area
Similar total assets
Similar health score
Using this data
- K.C. Area ranks #3,153 of 4,374 nationally on financial health and #65 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Northwest Missouri Regional is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Northwest Missouri Regional
Frequently Asked Questions
Is K.C. Area financially healthy?
On its 2025Q4 NCUA 5300 filing, K.C. Area scores 76/100 (Very Good), with a 17.10% net worth ratio and 1.10% of loans delinquent. It ranks #3,153 of 4,374 nationally on health and #65 of 89 in Missouri.
How does K.C. Area compare to other credit unions?
K.C. Area scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (17.10% vs 14.86%). Its widest shortfall is loan-to-share ratio (40.27% vs 59.80%).
How can I join K.C. Area?
Membership eligibility for K.C. Area depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact K.C. Area directly for current membership requirements and application steps.
Is my money safe at K.C. Area?
K.C. Area 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. K.C. Area's net worth ratio of 17.10% 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.