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
- CAMELS 74/100
- HEALTH 29.1%
- NW 1.71%
- DELQ 1.52%
- ROA $8.0M
- ASSETS 1,579
- MEM #3,310/4,374
- RANK n/a
- PHOTO 4531
Call Report peers
Kc Unidos carries $8.0M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Kc Unidos 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
74 23rd percentile higher than 23% 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
Kc Unidos - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #4531 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Kc Unidos in Missouri
- Missouri health ordinal: #68 of 89.
- Missouri assets place: #74 of 89.
- Member book place in Missouri: #67 of 89.
In-state ordinals use the live credit_unions table for MO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Kc Unidos
Kc Unidos: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +7.0% from $8.0M (2025Q4) to $8.5M (2026Q1).
- Net-worth ratio shifted -1.87 pp (30.99% → 29.12%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 74.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Cross-state asset and health neighbours for Kc Unidos - kept outside Missouri; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (74/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Missouri credit unions compare overall before assuming this one is typical. Missouri 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 Kc Unidos financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Kc Unidos carries a financial health score of 74/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,310 of 4,374; by total assets it ranks #3,673 of 4,374 nationally (same basis as /rankings/largest); and #74 of 89 within Missouri. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 29.12% net worth ratio and a 1.71% delinquency rate.
How does Kc Unidos compare to other credit unions?
PlainCU's health composite puts Kc Unidos at 74/100, compared to a peer group average for $2M–$10M 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 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?
Federal credit unions like Kc Unidos 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. Kc Unidos's net worth ratio of 29.12% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Kc Unidos offer compared to banks?
Credit unions like Kc Unidos 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 Kc Unidos 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.