Kansas City Credit Union Kansas City, Missouri
Kansas City Credit Union is a state-chartered credit union headquartered in Kansas City, MO, established in 1940 (NCUA charter 63388), and it is regulated and insured by the NCUA. At Q2 2026 it reported 5,109 members and total assets of $46.4M (up 0.6% from Q2 2025), the 43rd largest of 85 credit unions headquartered in Missouri. Its net worth ratio was 8.64% at Q2 2026, in the well capitalized band.
Also written as Kansas City CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 63388
- Headquarters
- Kansas City, MO
- Established
- 1940
- Total assets, Q2 2026
- $46.4M
- Assets vs Q2 2025
- +0.6%
- Members, Q2 2026
- 5,109
- Net worth ratio, Q2 2026
- 8.64%
- Latest call report
- Q2 2026, NCUA 5300 · Kansas City Credit Union call report
- Asset rank in state
- 43rd of 85 in Missouri
- Routing number
- 301081016
- Branches
- 3
It has 96 fewer members than on June 30, 2025 (-1.8%). Its net worth ratio was up 0.31 percentage points from 8.33% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $19.9M of $32.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.57% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 8.64% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Missouri
Frequently asked about Kansas City Credit Union
How big is Kansas City Credit Union?
At Q2 2026 it reported total assets of $46.4M and 5,109 members.
Where is Kansas City Credit Union headquartered?
It is headquartered in Kansas City, MO, United States.
When was Kansas City Credit Union founded?
It was established in 1940, per NCUA records.
Is Kansas City Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 63388): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Kansas City Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Kansas City Credit Union well capitalized?
Its net worth ratio was 8.64% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Kansas City Credit Union's delinquency ratio?
Its delinquency ratio was 2.57% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Kansas City Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 76.99% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Kansas City, MO 64129
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1940
- NCUA Charter #
- 63388
- RSSD ID
- 152691
- Members
- 5,109
- Potential members
- 1,113,885
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 8.64% | 14.31% | under 10th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.19% | 0.72% | 27th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 2.24% | 4.74% | 33rd below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.12% | 3.93% | 58th above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 94.30% | 79.83% | 22nd bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.73% | 0.78% | 53rd above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 2.57% | 0.86% | 20th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.85% | 4.70% | 56th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 76.99% | 58.92% | 76th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$46.4M total assets against $46.1M; $41.7M total shares and deposits against $42.1M; $32.1M total loans against $36.2M.
$4.0M net worth against $3.8M.
8.64% net worth ratio against 8.33%.
76.99% loan-to-share ratio against 86.07%.
2.57% delinquency ratio against 5.48%.
0.19% return on assets against 4.49%; 2.24% return on equity against 53.84%.
4.12% net interest margin against 4.67%.
5,109 members against 5,205.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 8.64% | 0.19% | 2.57% | 76.99% |
| March 31, 2026 | 8.36% | 0.85% | 2.28% | 76.35% |
| December 31, 2025 | 8.34% | 0.42% | 3.37% | 78.64% |
| September 30, 2025 | 8.40% | 0.39% | 3.21% | 80.70% |
| June 30, 2025 | 8.33% | 4.49% | 5.48% | 86.07% |
| March 31, 2025 | 7.22% | -0.05% | 6.66% | 89.03% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.