Federal credit union · Valley Center, Kansas · NCUA charter #3868
Sunflower
Health score 47/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 47
- Health / 100
- $336K
- Total assets
- 100
- Members
- 13.5%
- Net-worth ratio
Sunflower - Share Insurance Coverage
Charter #3868'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.
Sunflower - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)0
- Member growth36
- Liquidity (loan-to-share)79
Weighted composite: 47/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 13.48% 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 | 13.48% | 30% |
| Delinquency Rate | 9.28% | 25% |
| Return on Assets | -1.45% | 15% |
| Member Growth | -1.96% | 15% |
| Loan-to-Share Ratio | 97.13% | 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 | $336K | 100 |
| 2024Q4 | $362K | 102 |
| 2023Q4 | $392K | 126 |
Credit Union Details
- Charter Number
- 3868
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Kansas
- City
- Valley Center
- Data Quarter
- 2025Q4
What This Data Says About Sunflower
100 members and $336K in total assets sit behind Sunflower, a federal credit union in Valley Center, Kansas, which posts a health score of 47/100 (Below Average) on the five-factor composite, with $283K in outstanding loans as of Q4 2025 and a net worth ratio of 13.48% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #3868 in peer group Under $2M, a cohort of 243 similarly-sized institutions.
On loan book quality: 9.28% of loans are 60+ days past due against the total loan book - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. Meanwhile a 97.13% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -1.45% on net income of $-4888 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 -1.96%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) 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
More federally-insured credit unions based in Kansas, 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 Sunflower financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Sunflower carries a financial health score of 47/100 (Below Average). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.48% net worth ratio and a 9.28% delinquency rate.
How does Sunflower compare to other credit unions?
PlainCU's health composite puts Sunflower at 47/100, compared to a peer group average for Under $2M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Sunflower?
Sunflower operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Sunflower directly for the exact boundaries and application steps.
Is my money safe at Sunflower?
Federal credit unions like Sunflower 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. Sunflower's net worth ratio of 13.48% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Sunflower offer compared to banks?
Credit unions like Sunflower 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 Sunflower 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.