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
- ASSETS 89/100
- MEM 9.3%
- RANK 0.02%
- PHOTO 0.40%
- BOOK $44.6M
- CHARTER 3,145
- NCUSIF #1,337/4,374
- CAMELS BOULEVARD
- HEALTH 65371
Call Report peers
Mcpherson Co-Op in the assets neighbourhood
Mcpherson Co-Op's $44.6M assets sit next to BOULEVARD ($44.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
89 Top 31% higher than 69% 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
Mcpherson Co-Op - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #65371, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for KS only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Mcpherson Co-Op
Mcpherson Co-Op: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.6% from $44.6M (2025Q4) to $44.9M (2026Q1).
- Net-worth ratio shifted +0.17 pp (9.10% → 9.27%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Cross-state asset and health neighbours for Mcpherson Co-Op - kept outside Kansas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($44.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Kansas credit unions compare overall before assuming this one is typical. Kansas 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 Mcpherson Co-Op financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Mcpherson Co-Op carries a financial health score of 89/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,337 of 4,374; by total assets it ranks #2,501 of 4,374 nationally (same basis as /rankings/largest); and #27 of 61 within Kansas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.27% net worth ratio and a 0.02% delinquency rate.
How does Mcpherson Co-Op compare to other credit unions?
Mcpherson Co-Op scores 89/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 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?
Federal credit unions like Mcpherson Co-Op 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. Mcpherson Co-Op's net worth ratio of 9.27% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mcpherson Co-Op offer compared to banks?
Credit unions like Mcpherson Co-Op 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 Mcpherson Co-Op 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.