State credit union · South Hutchinso, Kansas · NCUA charter #65466
MORTON
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $5.3M
- Total assets
- 781
- Members
- 13.7%
- Net-worth ratio
MORTON scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.3M; members 781; net-worth ratio 13.74%; health rank #1,618 of 4,374; healthier than 60th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,618 of 4,374 health · 2025Q4MORTON · health 87/100 · $5.3M · 2025Q4
- PHOTO 87/100
- BOOK 13.7%
- CHARTER 0.47%
- NCUSIF 0.95%
- CAMELS $5.3M
- HEALTH 781
- NW #1,618/4,374
- DELQ n/a
- ROA 65466
Call Report peers
MORTON carries $5.3M 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.
MORTON 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
87 Top 40% higher than 60% 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
MORTON - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #65466, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
MORTON: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 81.29% vs peer 63.60% (+17.69 pp).
- Widest shortfall vs peers is Net Worth Ratio: -5.32 pp (13.74% vs 19.06%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where MORTON sits in Kansas
- In Kansas, health place is #16 of 61 on the same NCUA-ratio sort used nationally.
- By total assets, MORTON is #52 of 61 in Kansas.
- Member book place in Kansas: #49 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.
MORTON: 2025Q4 → 2026Q1
MORTON: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $5.3M (2025Q4) to $5.3M (2026Q1).
- Net-worth ratio shifted -0.27 pp (14.01% → 13.74%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.74% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 1.7 pts
- Loan-to-Share Ratio 15.3 pts
MORTON health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.74% | -5.32 pp |
| Delinquency Rate | 0.47% | -1.34 pp |
| Return on Assets | 0.95% | +0.50 pp |
| Member Growth | -4.05% | - |
| Loan-to-Share Ratio | 81.29% | +17.69 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.3M | - |
| 2025Q4 | $5.3M | 781 |
| 2024Q4 | $5.3M | 814 |
| 2023Q4 | $5.4M | 846 |
Credit Union Details
- Charter Number
- 65466
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Kansas
- City
- South Hutchinso
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for MORTON, spread across 2 cities.
| Office | City |
|---|---|
| Morton Credit Union (Main Office) | South Hutchinson, KS |
| Bell Credit Union | Hutchinson, KS |
| Underground Vault and Storage | Hutchinson, KS |
| Hutchinson Government Employees Credit Union | Hutchinson, 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.
Cross-state Call Report peers for MORTON
Cross-state asset and health neighbours for MORTON - kept outside Kansas; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- MORTON ranks #1,618 of 4,374 nationally on financial health and #16 of 61 in KS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ELLIS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ELLIS
- 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 MORTON financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, MORTON carries a financial health score of 87/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,618 of 4,374; by total assets it ranks #3,866 of 4,374 nationally (same basis as /rankings/largest); and #52 of 61 within Kansas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.74% net worth ratio and a 0.47% delinquency rate.
How does MORTON compare to other credit unions?
PlainCU's health composite puts MORTON at 87/100, 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 MORTON?
Membership eligibility for MORTON depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact MORTON directly for current membership requirements and application steps.
Is my money safe at MORTON?
Federal credit unions like MORTON 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. MORTON's net worth ratio of 13.74% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MORTON offer compared to banks?
Credit unions like MORTON 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 MORTON 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.