State credit union · Kansas City, Missouri · NCUA charter #62812
Public Safety
Health score 96/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $185.2M
- Total assets
- 13,387
- Members
- 12.1%
- Net-worth ratio
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.
Public Safety - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth76
- Liquidity (loan-to-share)100
Weighted composite: 96/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 12.06% 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 | 12.06% | 30% |
| Delinquency Rate | 0.39% | 25% |
| Return on Assets | 1.03% | 15% |
| Member Growth | 2.00% | 15% |
| Loan-to-Share Ratio | 79.27% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Public Safety
Charter #62812, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's Public Safety, a state credit union in Kansas City, Missouri with 13,387 members, $185.2M in total assets, and $128.1M in outstanding loans as of Q4 2025. The five-factor composite scores it 96/100 (Excellent), helped by a net worth ratio of 12.06% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
On loan book quality: 0.39% of loans are 60+ days past due against the total loan book - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Meanwhile a 79.27% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.03% on net income of $1.9M 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 2.00%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Missouri
More federally-insured credit unions based in Missouri, 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 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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.06% 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 12.06% 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.
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.