Federal credit union · MISSION, Kansas · NCUA charter #13941
SM
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $77.5M
- Total assets
- 2,383
- Members
- 19.4%
- Net-worth ratio
SM scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $77.5M; members 2,383; net-worth ratio 19.45%; health rank #1,565 of 4,374; healthier than 60th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,565 of 4,374 health · 2025Q4SM · health 87/100 · $77.5M · 2025Q4
- PHOTO 87/100
- BOOK 19.4%
- CHARTER 0.00%
- NCUSIF 0.12%
- CAMELS $77.5M
- HEALTH 2,383
- NW #1,565/4,374
- DELQ Empire One
- ROA 13941
Call Report peers
SM in the assets neighbourhood
SM's $77.5M assets sit next to Empire One ($77.4M) 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.
SM 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
87 Top 40% higher than 60% 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
SM - Share Insurance Coverage
Charter #13941'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.
SM: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 75.13% here, 62.60% peer average (+12.53 pp).
- Largest lag: Return on Assets at 0.12% vs peer 0.66% (-0.54 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where SM sits in Kansas
- In Kansas, health place is #14 of 61 on the same NCUA-ratio sort used nationally.
- By total assets, SM is #20 of 61 in Kansas.
- Kansas membership ordinal: #34 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.
How SM's 5300 filing moved
SM: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.4% from $77.5M (2025Q4) to $77.8M (2026Q1).
- Net-worth ratio shifted +0.26 pp (19.19% → 19.45%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
19.45% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.3 pts
- Member Growth 7.9 pts
- Loan-to-Share Ratio 14.8 pts
Call Report ratios for SM
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.45% | +5.83 pp |
| Delinquency Rate | 0.00% | -0.96 pp |
| Return on Assets | 0.12% | -0.54 pp |
| Member Growth | -0.58% | - |
| Loan-to-Share Ratio | 75.13% | +12.53 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - SM
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $77.8M | - |
| 2025Q4 | $77.5M | 2,383 |
| 2024Q4 | $78.0M | 2,397 |
| 2023Q4 | $76.1M | 2,416 |
Credit Union Details
- Charter Number
- 13941
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $50M–$100M
- State
- Kansas
- City
- MISSION
- Data Quarter
- 2025Q4
Branch Locations (2)
SM operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | MISSION, KS |
| BRANCH | OLATHE, 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.
Cross-state Call Report peers for SM
Two NCUA Call Report peer sets for SM, both outside Kansas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($77.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- SM ranks #1,565 of 4,374 nationally on financial health and #14 of 61 in KS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- DILLON is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with DILLON
- 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 SM financially healthy?
Yes/no aside, the number is 87/100 (Excellent) - SM's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,565 of 4,374; by total assets it ranks #2,041 of 4,374 nationally (same basis as /rankings/largest); and #20 of 61 within Kansas. Above 80 reads excellent, below 50 warrants closer monitoring; a 19.45% net worth ratio and 0.00% delinquency rate are the key drivers.
How does SM compare to other credit unions?
On PlainCU's health composite, SM lands at 87/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 SM?
SM serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact SM directly for the current list of qualifying groups.
Is my money safe at SM?
Federal credit unions like SM 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. SM's net worth ratio of 19.45% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SM offer compared to banks?
Credit unions like SM 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 SM 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.