Federal credit union · Lenexa, Kansas · NCUA charter #24858
MAINSTREET
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $674.4M
- Total assets
- 55,705
- Members
- 9.6%
- Net-worth ratio
MAINSTREET scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $674.4M; members 55,705; net-worth ratio 9.62%; health rank #1,324 of 4,374; healthier than 69th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,324 of 4,374 health · 2025Q4MAINSTREET · health 89/100 · $674.4M · 2025Q4
Call Report peers
MAINSTREET in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MAINSTREET vs every NCUA-scored credit union
MAINSTREET sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
MAINSTREET: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Delinquency Rate: -0.36 pp (0.51% vs 0.87%).
- Largest lag: Loan-to-Share Ratio at 65.22% vs peer 83.90% (-18.68 pp).
MAINSTREET in Kansas
- In Kansas, health place is #10 of 61 on the same NCUA-ratio sort used nationally.
- Assets rank #6 of 61 inside Kansas ($674.4M reported).
- Kansas membership ordinal: #5 of 61.
- One place up in Kansas, White Eagle (#9) scores 90/100, 1 point higher; one place down, Mcpherson Co-Op (#11) ties at 89/100.
MAINSTREET Call Report trajectory
MAINSTREET: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $674.4M (2025Q4) to $693.6M (2026Q1).
- Net-worth ratio shifted -0.06 pp (9.68% → 9.62%).
This credit union's 9.62% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
MAINSTREET gives up 11 points in total. Member Growth costs the most, 8.1 of its 15; Delinquency Rate loses the least, 0.1.
- Net Worth Ratio 29.1 pts
- Delinquency Rate 24.9 pts
- Return on Assets 14.6 pts
- Member Growth 6.9 pts
- Loan-to-Share Ratio 13.5 pts
Call Report ratios for MAINSTREET
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.62% | -1.56 pp |
| Delinquency Rate | 0.51% | -0.36 pp |
| Return on Assets | 0.48% | -0.03 pp |
| Member Growth | -1.18% | - |
| Loan-to-Share Ratio | 65.22% | -18.68 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $693.6M | - |
| 2025Q4 | $674.4M | 55,705 |
| 2024Q4 | $692.0M | 56,371 |
| 2023Q4 | $652.8M | 61,167 |
Credit Union Details
- Charter Number
- 24858
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Kansas
- City
- Lenexa
- Data Quarter
- 2025Q4
Branch Locations (9)
Per its most recent NCUA branch filing, MAINSTREET runs 9 offices in 7 different cities across 2 states.
| Office | City |
|---|---|
| Lenexa (Main Office) | Lenexa, KS |
| Bonner Springs | Bonner Springs, KS |
| KCMO - Barry Rd | Kansas City, MO |
| Wyandotte | Kansas City, KS |
| Lawrence-23rd Street | Lawrence, KS |
| Leavenworth | Leavenworth, KS |
| Mission | Mission, KS |
| Olathe-Downtown | Olathe, KS |
| Olathe-East | Olathe, 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.
MAINSTREET nationwide neighbourhoods
Using this data
- MAINSTREET ranks #1,324 of 4,374 nationally on financial health and #10 of 61 in KS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HEARTLAND is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HEARTLAND
Frequently Asked Questions
Is MAINSTREET financially healthy?
MAINSTREET has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,324 of 4,374 nationally on health and #10 of 61 in Kansas. Its net worth ratio is 9.62% and its delinquency rate 0.51%.
How does MAINSTREET compare to other credit unions?
MAINSTREET scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.51% vs 0.87%). Its widest shortfall is loan-to-share ratio (65.22% vs 83.90%).
How can I join MAINSTREET?
MAINSTREET 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 MAINSTREET directly for the exact boundaries and application steps.
Is my money safe at MAINSTREET?
MAINSTREET 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. MAINSTREET's net worth ratio of 9.62% 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.