State credit union · Kansas City, Kansas · NCUA charter #60037
Midwest Regional
Health score 90/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $71.2M
- Total assets
- 7,451
- Members
- 9.3%
- Net-worth ratio
Midwest Regional - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #60037, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Midwest Regional - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)94
- Asset quality (delinquency)85
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)71
Weighted composite: 90/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 9.30% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.30% | 30% |
| Delinquency Rate | 0.87% | 25% |
| Return on Assets | 0.87% | 15% |
| Member Growth | 25.16% | 15% |
| Loan-to-Share Ratio | 50.46% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $71.2M | 7,451 |
| 2024Q4 | $73.3M | 5,953 |
| 2023Q4 | $72.1M | 5,949 |
Credit Union Details
- Charter Number
- 60037
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Kansas
- City
- Kansas City
- Data Quarter
- 2025Q4
What This Data Says About Midwest Regional
Headquartered in Kansas City, Kansas, Midwest Regional is a state credit union with 7,451 members, $71.2M in total assets, and $31.7M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 90/100 (Excellent), driven in part by a net worth ratio of 9.30% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #60037 and reports within peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
0.87% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Deposit deployment is captured by the 50.46% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.87% on net income of $617K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 25.16%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Kansas
More federally-insured credit unions based in Kansas, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Midwest Regional financially healthy?
A 9.30% net worth ratio and a 0.87% delinquency rate feed into Midwest Regional's financial health score of 90/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Midwest Regional compare to other credit unions?
90/100 is Midwest Regional's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Midwest Regional?
Membership eligibility for Midwest Regional depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Midwest Regional directly for current membership requirements and application steps.
Is my money safe at Midwest Regional?
Federal credit unions like Midwest Regional 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. Midwest Regional's net worth ratio of 9.30% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Midwest Regional offer compared to banks?
Credit unions like Midwest Regional 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 Midwest Regional directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.