State credit union · Kansas City, Missouri · NCUA charter #62812
Public Safety
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $185.2M
- Total assets
- 13,387
- Members
- 12.5%
- Net-worth ratio
Public Safety scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $185.2M; members 13,387; net-worth ratio 12.51%; health rank #250 of 4,374; healthier than 93rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#250 of 4,374 health · 2025Q4Public Safety · health 96/100 · $185.2M · 2025Q4
- ROA 96/100
- ASSETS 12.5%
- MEM 0.39%
- RANK 1.03%
- PHOTO $185.2M
- BOOK 13,387
- CHARTER #250/4,374
- NCUSIF River Works
- CAMELS 62812
Call Report peers
Public Safety in the assets neighbourhood
Public Safety's $185.2M assets sit next to River Works ($184.9M) 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.
Public Safety 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
96 Top 7% higher than 93% 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
Public Safety - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #62812: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for Public Safety
- Loan-to-Share Ratio leads the peer set - 79.27% here, 72.20% peer average (+7.07 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Public Safety in Missouri
- Health composite ranks #10 of 89 among scored Missouri credit unions.
- Assets rank #20 of 89 inside Missouri ($185.2M reported).
- Missouri membership ordinal: #22 of 89.
In-state ordinals use the live credit_unions table for MO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Public Safety
Public Safety: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.9% from $185.2M (2025Q4) to $190.6M (2026Q1).
- Net-worth ratio shifted -0.15 pp (12.66% → 12.51%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.51% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 96/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.4 pts
- Loan-to-Share Ratio 14.6 pts
Public Safety vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.51% | +0.40 pp |
| Delinquency Rate | 0.39% | -0.51 pp |
| Return on Assets | 1.03% | +0.41 pp |
| Member Growth | 2.00% | - |
| Loan-to-Share Ratio | 79.27% | +7.07 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Public Safety filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $190.6M | - |
| 2025Q4 | $185.2M | 13,387 |
| 2024Q4 | $177.5M | 13,125 |
| 2023Q4 | $178.0M | 12,914 |
Credit Union Details
- Charter Number
- 62812
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Missouri
- City
- Kansas City
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, Public Safety runs 5 offices in 3 different cities across 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Kansas City, MO |
| East Branch | Independence, MO |
| North Branch | Kansas City, MO |
| South Branch | Kansas City, MO |
| Overland Park | Overland Park, KS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
More federally-insured credit unions based in Missouri, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Public Safety - kept outside Missouri; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($185.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
Using this data
- Public Safety ranks #250 of 4,374 nationally on financial health and #10 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Conservation Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Conservation Employees
- Rates and health both vary by institution, not just by state -- see how Missouri credit unions compare overall before assuming this one is typical. Missouri 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 Public Safety financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Public Safety carries a financial health score of 96/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #250 of 4,374; by total assets it ranks #1,329 of 4,374 nationally (same basis as /rankings/largest); and #20 of 89 within Missouri. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.51% net worth ratio and a 0.39% delinquency rate.
How does Public Safety compare to other credit unions?
Five weighted metrics from NCUA filings produce Public Safety's 96/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Public Safety?
Membership eligibility for Public Safety depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Public Safety directly for current membership requirements and application steps.
Is my money safe at Public Safety?
Federal credit unions like Public Safety 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. Public Safety's net worth ratio of 12.51% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Public Safety offer compared to banks?
Credit unions like Public Safety 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 Public Safety 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.