Credit Union Safety Analysis
Is Holy Rosary Credit Union Safe? Kansas City, Missouri
Based on its Q2 2026 NCUA 5300 call report, Holy Rosary Credit Union has a net worth ratio of 11.77%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 3.01%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Holy Rosary Credit Union's net worth ratio is 11.77%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.77%
- Delinquency ratio (60+ days) (Q2 2026): 3.01%
- Return on assets (Q2 2026): 0.14%
- Loan-to-share ratio (Q2 2026): 91.60%
Holy Rosary Credit Union (NCUA charter 64690, established 1943) reported $45.4M in assets and 7,042 members for Q2 2026 from Kansas City, Missouri. It ranks 44 of 85 credit unions in Missouri by total assets. Total assets grew 2.4% from $44.3M on June 30, 2025. It has 182 more members than on June 30, 2025 (+2.7%). Its net worth ratio was up 0.62 percentage points from 11.15% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $15.7M of $31.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 3.01% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 11.35% for Q1 2026; 11.15% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 2.16% for Q1 2026; 2.53% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.13% for Q1 2026; 0.81% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 88.34% for Q1 2026; 97.77% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $15.7M
- Used vehicle loans: $8.5M
- Commercial loans: $3.6M
- Other unsecured loans and lines of credit: $1.7M
- New vehicle loans: $1.2M
- Other secured non-real estate loans and lines of credit: $439K
- Unsecured credit card loans: $437K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $45.4M | 11.77% | 3.01% | 0.14% | 91.60% |
| March 31, 2026 | $46.9M | 11.35% | 2.16% | 0.13% | 88.34% |
| December 31, 2025 | $45.4M | 11.71% | 3.02% | 2.42% | 94.83% |
| September 30, 2025 | $44.8M | 11.26% | 2.72% | 0.91% | 95.17% |
| June 30, 2025 | $44.3M | 11.15% | 2.53% | 0.81% | 97.77% |
| March 31, 2025 | $44.4M | 11.12% | 2.60% | 0.35% | 99.32% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Holy Rosary Credit Union profile
Regulator records: NCUA credit union profile (charter 64690) · FFIEC NIC profile (RSSD 737191)
Frequently asked questions
Is Holy Rosary Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Holy Rosary Credit Union's net worth ratio is 11.77%, above the 7% NCUA threshold for well capitalized.
Is Holy Rosary Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Holy Rosary Credit Union is a federally insured credit union (NCUA charter 64690): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Holy Rosary Credit Union's key safety ratios?
For Q2 2026, Holy Rosary Credit Union reports net worth 11.77%, delinquency 3.01%, ROA 0.14%, loan-to-share 91.60%.
What happens to my money if Holy Rosary Credit Union fails?
For Q2 2026, Holy Rosary Credit Union held $34.5M in shares and deposits for 7,042 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.