State credit union · SALINA, Kansas · NCUA charter #67800
Salina Municipal
Health score 70/100, grade B (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 scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.4M; members 358; net-worth ratio 7.67%; health rank #3,618 of 4,374; healthier than 17th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,618 of 4,374 health · 2025Q4Salina Municipal · health 70/100 · $1.4M · 2025Q4
- MEM 70/100
- RANK 7.7%
- PHOTO 0.00%
- BOOK -1.03%
- CHARTER $1.4M
- NCUSIF 358
- CAMELS #3,618/4,374
- HEALTH n/a
- NW 67800
Call Report peers
Salina Municipal carries $1.4M 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.
Salina Municipal 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
70 17th percentile higher than 17% 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
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: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 82.04% vs peer 52.70% (+29.34 pp).
- Net Worth Ratio trails the peer set - 7.67% here, 22.93% peer average (-15.26 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Salina Municipal: in-state Call Report ranks
- Kansas health ordinal: #48 of 61.
- By total assets, Salina Municipal is #57 of 61 in Kansas.
- Kansas membership ordinal: #55 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.
Salina Municipal: 2025Q4 → 2026Q1
Salina Municipal: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -3.6% from $1.4M (2025Q4) to $1.3M (2026Q1).
- Net-worth ratio shifted +0.01 pp (7.66% → 7.67%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 7.67% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 70/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 70.
- Net Worth Ratio 24.2 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 5.5 pts
- Loan-to-Share Ratio 15.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.67% | -15.26 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | -1.03% | -1.25 pp |
| Member Growth | -1.92% | - |
| Loan-to-Share Ratio | 82.04% | +29.34 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).
Salina Municipal filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.3M | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for Salina Municipal.
| Office | City |
|---|---|
| Salina Municipal Credit Union (Main Office) | Salina, KS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Salina Municipal nationwide neighbourhoods
Salina Municipal's nationwide photo peers by assets and by health score, excluding Kansas charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (70/100 here).
Using this data
- Salina Municipal ranks #3,618 of 4,374 nationally on financial health and #48 of 61 in KS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Kan Colo is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Kan Colo
- 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #3,618 of 4,374; by total assets it ranks #4,191 of 4,374 nationally (same basis as /rankings/largest); and #57 of 61 within Kansas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 7.67% 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 7.67% 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.
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.