Federal credit union · Kansas City, Missouri · NCUA charter #24937
Wedevelopment
Health score 36/100 (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 36
- Health / 100
- $2.9M
- Total assets
- 828
- Members
- 3.7%
- Net-worth ratio
Wedevelopment - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24937. See our deposit-insurance coverage note.
Wedevelopment - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)31
- Asset quality (delinquency)0
- Earnings (ROA)0
- Member growth100
- Liquidity (loan-to-share)79
Weighted composite: 36/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 3.73%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 3.73% | 30% |
| Delinquency Rate | 25.02% | 25% |
| Return on Assets | -11.35% | 15% |
| Member Growth | 65.60% | 15% |
| Loan-to-Share Ratio | 55.89% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $2.9M | 828 |
| 2024Q4 | $3.2M | 500 |
| 2023Q4 | $3.1M | 306 |
Credit Union Details
- Charter Number
- 24937
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Missouri
- City
- Kansas City
- Data Quarter
- 2025Q4
What This Data Says About Wedevelopment
The five-factor composite scores Wedevelopment at 36/100 (Weak), reflecting a net worth ratio of 3.73% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Kansas City, Missouri, reports 828 members, $2.9M in total assets, and $1.6M in outstanding loans as of Q4 2025 under charter #24937 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
Deposits deployed into lending sit at a 55.89% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 25.02% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Return on assets stands at -11.35% on net income of $-330901 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 65.60%. 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 Missouri
Other federally-insured credit unions in Missouri, closest first by peer group 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 Wedevelopment financially healthy?
Wedevelopment has a financial health score of 36/100 (Weak) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 3.73% and delinquency rate of 25.02%.
How does Wedevelopment compare to other credit unions?
Wedevelopment scores 36/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Wedevelopment?
Wedevelopment 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 Wedevelopment directly for the exact boundaries and application steps.
Is my money safe at Wedevelopment?
Federal credit unions like Wedevelopment 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. Wedevelopment's net worth ratio of 3.73% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Wedevelopment offer compared to banks?
Credit unions like Wedevelopment 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 Wedevelopment 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.