Federal credit union · Olathe, Colorado · NCUA charter #12608
OLATHE
Health score 63/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $1.6M
- Total assets
- 282
- Members
- 5.5%
- Net-worth ratio
OLATHE scores 63/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.6M; members 282; net-worth ratio 5.53%; health rank #3,971 of 4,374; healthier than 9th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,971 of 4,374 health · 2025Q4OLATHE · health 63/100 · $1.6M · 2025Q4
- CAMELS 63/100
- HEALTH 5.5%
- NW 1.65%
- DELQ -0.09%
- ROA $1.6M
- ASSETS 282
- MEM #3,971/4,374
- RANK n/a
- PHOTO 12608
Call Report peers
OLATHE carries $1.6M 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.
OLATHE 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
63 9th percentile higher than 9% 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
OLATHE - Share Insurance Coverage
Charter #12608's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
OLATHE vs Under $2M peers
- Strongest edge vs 243 Under $2M peers is Loan-to-Share Ratio: +25.90 pp (78.60% vs 52.70%).
- Net Worth Ratio trails the peer set - 5.53% here, 22.93% peer average (-17.40 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where OLATHE sits in Colorado
- In Colorado, health place is #58 of 66 on the same NCUA-ratio sort used nationally.
- Colorado assets place: #64 of 66.
- Colorado membership ordinal: #64 of 66.
In-state ordinals use the live credit_unions table for CO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
OLATHE Call Report trajectory
OLATHE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.5% from $1.6M (2025Q4) to $1.6M (2026Q1).
- Net-worth ratio shifted -0.25 pp (5.78% → 5.53%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 5.53%, this institution is below the 7.0% NCUA well-capitalized threshold.
How the 63/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 63.
- Net Worth Ratio 13.8 pts
- Delinquency Rate 15.1 pts
- Return on Assets 3.7 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.4 pts
OLATHE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 5.53% | -17.40 pp |
| Delinquency Rate | 1.65% | -2.83 pp |
| Return on Assets | -0.09% | -0.31 pp |
| Member Growth | 8.05% | - |
| Loan-to-Share Ratio | 78.60% | +25.90 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.6M | - |
| 2025Q4 | $1.6M | 282 |
| 2024Q4 | $1.1M | 261 |
| 2023Q4 | $944K | 245 |
Credit Union Details
- Charter Number
- 12608
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Colorado
- City
- Olathe
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, OLATHE runs one office.
| Office | City |
|---|---|
| Olathe Federal Credit Union (Main Office) | Olathe, CO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Colorado
Other federally-insured credit unions in Colorado, closest first by peer group and asset size.
OLATHE nationwide neighbourhoods
Two NCUA Call Report peer sets for OLATHE, both outside Colorado so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (63/100 here).
Using this data
- OLATHE ranks #3,971 of 4,374 nationally on financial health and #58 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- St. Michaels is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with St. Michaels
- Rates and health both vary by institution, not just by state -- see how Colorado credit unions compare overall before assuming this one is typical. Colorado 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 OLATHE financially healthy?
A 5.53% net worth ratio and a 1.65% delinquency rate feed into OLATHE's financial health score of 63/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,971 of 4,374; by total assets it ranks #4,172 of 4,374 nationally (same basis as /rankings/largest); and #64 of 66 within Colorado. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does OLATHE compare to other credit unions?
PlainCU's health composite puts OLATHE at 63/100, compared to a peer group average for Under $2M 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 OLATHE?
OLATHE 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 OLATHE directly for the exact boundaries and application steps.
Is my money safe at OLATHE?
Federal credit unions like OLATHE 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. OLATHE's net worth ratio of 5.53% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does OLATHE offer compared to banks?
Credit unions like OLATHE 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 OLATHE 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.