State credit union · SALINA, Kansas · NCUA charter #67800
Salina Municipal
Health score 70/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $1.4M
- Total assets
- 358
- Members
- 7.7%
- Net-worth ratio
Salina Municipal - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67800: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Salina Municipal - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)81
- Asset quality (delinquency)100
- Earnings (ROA)0
- Member growth37
- Liquidity (loan-to-share)100
Weighted composite: 70/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 7.66% 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 | 7.66% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | -1.03% | 15% |
| Member Growth | -1.92% | 15% |
| Loan-to-Share Ratio | 82.04% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.4M | 358 |
| 2024Q4 | $1.5M | 365 |
| 2023Q4 | $1.6M | 361 |
Credit Union Details
- Charter Number
- 67800
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Kansas
- City
- SALINA
- Data Quarter
- 2025Q4
What This Data Says About Salina Municipal
The five-factor composite scores Salina Municipal at 70/100 (Very Good), reflecting a net worth ratio of 7.66% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in SALINA, Kansas, reports 358 members, $1.4M in total assets, and $1.0M in outstanding loans as of Q4 2025 under charter #67800 (peer group Under $2M, a cohort of 243 similarly-sized institutions).
Deposits deployed into lending sit at a 82.04% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.00% of the book 60+ days past due - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Return on assets stands at -1.03% on net income of $-14002 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 -1.92%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Kansas
A look at other Kansas credit unions, ranked by how closely their peer group and asset size match this one.
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 Salina Municipal financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Salina Municipal carries a financial health score of 70/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 7.66% net worth ratio and a 0.00% delinquency rate.
How does Salina Municipal compare to other credit unions?
Five weighted metrics from NCUA filings produce Salina Municipal's 70/100 score on PlainCU's health composite, compared to a peer group average for Under $2M 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 Salina Municipal?
Membership eligibility for Salina Municipal depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Salina Municipal directly for current membership requirements and application steps.
Is my money safe at Salina Municipal?
Federal credit unions like Salina Municipal 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. Salina Municipal's net worth ratio of 7.66% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Salina Municipal offer compared to banks?
Credit unions like Salina Municipal 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 Salina Municipal 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.