KC Unidos Federal Credit Union Kansas City, Missouri
KC Unidos Federal Credit Union is a federal credit union headquartered in Kansas City, MO, established in 1941 (NCUA charter 4531), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,598 members and total assets of $8.5M (down 0.8% from Q2 2025), the 73rd largest of 85 credit unions headquartered in Missouri. Its net worth ratio was 29.21% at Q2 2026, in the well capitalized band.
Also written as KC Unidos FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 4531
- Headquarters
- Kansas City, MO
- Established
- 1941
- Total assets, Q2 2026
- $8.5M
- Assets vs Q2 2025
- -0.8%
- Members, Q2 2026
- 1,598
- Net worth ratio, Q2 2026
- 29.21%
- Latest call report
- Q2 2026, NCUA 5300 · KC Unidos Federal Credit Union call report
- Asset rank in state
- 73rd of 85 in Missouri
- Routing number
- 301081087
- Branches
- 1
It has 42 fewer members than on June 30, 2025 (-2.6%). Its net worth ratio was up 1.12 percentage points from 28.09% on June 30, 2025. Used vehicle loans are its largest loan category, $3.0M of $6.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.65% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 29.21% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Missouri
Frequently asked about KC Unidos Federal Credit Union
How big is KC Unidos Federal Credit Union?
At Q2 2026 it reported total assets of $8.5M and 1,598 members.
Where is KC Unidos Federal Credit Union headquartered?
It is headquartered in Kansas City, MO, United States.
When was KC Unidos Federal Credit Union founded?
It was established in 1941, per NCUA records.
Is KC Unidos Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 4531): 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 KC Unidos Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is KC Unidos Federal Credit Union well capitalized?
Its net worth ratio was 29.21% 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 KC Unidos Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.65% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is KC Unidos Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 113.40% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Kansas City, MO 64108
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1941
- NCUA Charter #
- 4531
- RSSD ID
- 715377
- Members
- 1,598
- Potential members
- 50,000
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 2 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% | 29.21% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.13% | 0.72% | 25th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | 0.45% | 4.74% | 23rd bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 7.85% | 3.93% | over 90th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 98.55% | 79.83% | 17th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.67% | 0.78% | 57th above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.65% | 0.86% | 60th above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 8.53% | 4.70% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 113.40% | 58.92% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$8.5M total assets against $8.6M; $5.9M total shares and deposits against $6.0M; $6.7M total loans against $6.9M.
$2.5M net worth against $2.4M.
29.21% net worth ratio against 28.09%.
113.40% loan-to-share ratio against 114.49%.
0.65% delinquency ratio against 0.65%.
0.13% return on assets against 1.25%; 0.45% return on equity against 4.46%.
7.85% net interest margin against 7.47%.
1,598 members against 1,640.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 29.21% | 0.13% | 0.65% | 113.40% |
| March 31, 2026 | 29.12% | 0.65% | 0.39% | 113.22% |
| December 31, 2025 | 30.99% | 1.63% | 1.71% | 129.46% |
| September 30, 2025 | 30.22% | 1.32% | 0.68% | 125.20% |
| June 30, 2025 | 28.09% | 1.25% | 0.65% | 114.49% |
| March 31, 2025 | 31.35% | 0.98% | 0.49% | 136.27% |
Scroll sideways to see every column.
Watch flags
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
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.