Federal credit union · Kansas City, Missouri · NCUA charter #4531
Kc Unidos
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $8.0M
- Total assets
- 1,579
- Members
- 29.1%
- Net-worth ratio
Kc Unidos scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.0M; members 1,579; net-worth ratio 29.12%; health rank #3,310 of 4,374; healthier than 23rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,310 of 4,374 health · 2025Q4Kc Unidos · health 74/100 · $8.0M · 2025Q4
Call Report peers
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Kc Unidos vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Kc Unidos sits in 70-74 with 317 others.
74 23rd percentile higher than 23% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Kc Unidos diverges from peer averages
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +65.86 pp (129.46% vs 63.60%).
Kc Unidos in Missouri
- Missouri health ordinal: #68 of 89.
- Missouri assets place: #74 of 89.
- Member book place in Missouri: #67 of 89.
- One place up in Missouri, Educational Community (#67) scores 75/100, 1 point higher; one place down, NEIGHBORS (#69) ties at 74/100.
Quarter path for Kc Unidos
Kc Unidos: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +7.0% from $8.0M (2025Q4) to $8.5M (2026Q1).
- Net-worth ratio shifted -1.87 pp (30.99% → 29.12%).
29.12% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 74/100 score is built
Kc Unidos gives up 26 points in total. Loan-to-Share Ratio costs the most, 15 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.7 pts
- Return on Assets 15.0 pts
- Member Growth 14.4 pts
- Loan-to-Share Ratio -0.1 pts
Kc Unidos health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 29.12% | +10.06 pp |
| Delinquency Rate | 1.71% | -0.10 pp |
| Return on Assets | 1.52% | +1.07 pp |
| Member Growth | 4.50% | - |
| Loan-to-Share Ratio | 129.46% | +65.86 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Kc Unidos filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.5M | - |
| 2025Q4 | $8.0M | 1,579 |
| 2024Q4 | $7.8M | 1,511 |
| 2023Q4 | $6.6M | 1,512 |
Credit Union Details
- Charter Number
- 4531
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Missouri
- City
- Kansas City
- Data Quarter
- 2025Q4
Branch Location
Kc Unidos operates a single office in Kansas City, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| LOCATION (Main Office) | 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 Kc Unidos
Using this data
- Kc Unidos ranks #3,310 of 4,374 nationally on financial health and #68 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Lovers Lane is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Lovers Lane
Frequently Asked Questions
Is Kc Unidos financially healthy?
Kc Unidos has a financial health score of 74/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,310 of 4,374 nationally on health and #68 of 89 in Missouri. Its net worth ratio is 29.12% and its delinquency rate 1.71%.
How does Kc Unidos compare to other credit unions?
Kc Unidos scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (129.46% vs 63.60%).
How can I join Kc Unidos?
Kc Unidos operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Kc Unidos directly for the exact boundaries and application steps.
Is my money safe at Kc Unidos?
Kc Unidos is a federal 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. Kc Unidos's net worth ratio of 29.12% 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.