State credit union · MCPHERSON, Kansas · NCUA charter #65371
Mcpherson Co-Op
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $44.6M
- Total assets
- 3,145
- Members
- 9.3%
- Net-worth ratio
Mcpherson Co-Op scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $44.6M; members 3,145; net-worth ratio 9.27%; health rank #1,337 of 4,374; healthier than 69th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,337 of 4,374 health · 2025Q4Mcpherson Co-Op · health 89/100 · $44.6M · 2025Q4
Call Report peers
Mcpherson Co-Op in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Mcpherson Co-Op vs every NCUA-scored credit union
Mcpherson Co-Op 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
Where Mcpherson Co-Op diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 94.46% vs peer 59.80% (+34.66 pp).
- Net Worth Ratio trails the peer set - 9.27% here, 14.86% peer average (-5.59 pp).
Mcpherson Co-Op in Kansas
- In Kansas, health place is #11 of 61 on the same NCUA-ratio sort used nationally.
- By total assets, Mcpherson Co-Op is #27 of 61 in Kansas.
- Kansas membership ordinal: #31 of 61.
- One place up in Kansas, MAINSTREET (#10) ties at 89/100; one place down, FARMWAY (#12) scores 88/100, 1 point lower.
Quarter path for Mcpherson Co-Op
Mcpherson Co-Op: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $44.6M (2025Q4) to $44.9M (2026Q1).
- Net-worth ratio shifted +0.17 pp (9.10% → 9.27%).
This credit union's 9.27% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
Mcpherson Co-Op gives up 11 points in total. Member Growth costs the most, 5.5 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 28.2 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.5 pts
- Member Growth 9.5 pts
- Loan-to-Share Ratio 12.8 pts
Call Report ratios for Mcpherson Co-Op
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.27% | -5.59 pp |
| Delinquency Rate | 0.02% | -1.13 pp |
| Return on Assets | 0.40% | -0.31 pp |
| Member Growth | 0.42% | - |
| Loan-to-Share Ratio | 94.46% | +34.66 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Mcpherson Co-Op
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $44.9M | - |
| 2025Q4 | $44.6M | 3,145 |
| 2024Q4 | $42.7M | 3,132 |
| 2023Q4 | $43.8M | 3,322 |
Credit Union Details
- Charter Number
- 65371
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Kansas
- City
- MCPHERSON
- Data Quarter
- 2025Q4
Branch Location
Mcpherson Co-Op operates a single office in McPherson, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| McPherson Co-op (Main Office) | McPherson, KS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kansas
More federally-insured credit unions based in Kansas, ordered by peer group match and asset size.
Other-state peers near Mcpherson Co-Op
Using this data
- Mcpherson Co-Op ranks #1,337 of 4,374 nationally on financial health and #11 of 61 in KS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- B&V is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with B&V
Frequently Asked Questions
Is Mcpherson Co-Op financially healthy?
On its 2025Q4 NCUA 5300 filing, Mcpherson Co-Op scores 89/100 (Excellent), with a 9.27% net worth ratio and 0.02% of loans delinquent. It ranks #1,337 of 4,374 nationally on health and #11 of 61 in Kansas.
How does Mcpherson Co-Op compare to other credit unions?
Mcpherson Co-Op scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (94.46% vs 59.80%). Its widest shortfall is net worth ratio (9.27% vs 14.86%).
How can I join Mcpherson Co-Op?
Membership eligibility for Mcpherson Co-Op depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Mcpherson Co-Op directly for current membership requirements and application steps.
Is my money safe at Mcpherson Co-Op?
Mcpherson Co-Op 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. Mcpherson Co-Op's net worth ratio of 9.27% 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.