Credit Union Safety Analysis
Is Olathe Federal Credit Union Safe? Olathe, Colorado
Based on its Q2 2026 NCUA 5300 call report, Olathe Federal Credit Union has a net worth ratio of 5.12%, below the NCUA level for adequately capitalized, its 60-day delinquency ratio is 0.19%, 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, Olathe Federal Credit Union's net worth ratio is 5.12%, below the 6% NCUA level for adequately capitalized.
- Net worth ratio (Q2 2026): 5.12%
- Delinquency ratio (60+ days) (Q2 2026): 0.19%
- Return on assets (Q2 2026): -3.90%
- Loan-to-share ratio (Q2 2026): 90.59%
Olathe Federal Credit Union (NCUA charter 12608, established 1958) reported $1.4M in assets and 272 members for Q2 2026 from Olathe, Colorado. It ranks 59 of 61 credit unions in Colorado by total assets. Total assets were about level with $1.4M on June 30, 2025. It has 3 fewer members than on June 30, 2025 (-1.1%). Its net worth ratio was down 1.35 percentage points from 6.47% on June 30, 2025. Used vehicle loans are its largest loan category, $671K of $1.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.19% is below 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: 5.53% for Q1 2026; 6.47% 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: 0.89% for Q1 2026; 0.58% 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: 0.69% for Q1 2026; 0.74% 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: 83.35% for Q1 2026; 77.37% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $671K
- Other unsecured loans and lines of credit: $411K
- Other secured non-real estate loans and lines of credit: $123K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.4M | 5.12% | 0.19% | -3.90% | 90.59% |
| March 31, 2026 | $1.6M | 5.53% | 0.89% | 0.69% | 83.35% |
| December 31, 2025 | $1.6M | 5.78% | 1.65% | -2.07% | 78.60% |
| September 30, 2025 | $1.5M | 5.92% | 1.60% | 0.13% | 77.25% |
| June 30, 2025 | $1.4M | 6.47% | 0.58% | 0.74% | 77.37% |
| March 31, 2025 | $1.1M | 7.67% | 1.46% | 1.83% | 91.02% |
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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.
Olathe Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 12608) · FFIEC NIC profile (RSSD 563381)
Frequently asked questions
Is Olathe Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Olathe Federal Credit Union's net worth ratio is 5.12%, below the 6% NCUA level for adequately capitalized.
Is Olathe Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Olathe Federal Credit Union is a federally insured credit union (NCUA charter 12608): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Olathe Federal Credit Union's key safety ratios?
For Q2 2026, Olathe Federal Credit Union reports net worth 5.12%, delinquency 0.19%, ROA -3.90%, loan-to-share 90.59%.
What happens to my money if Olathe Federal Credit Union fails?
For Q2 2026, Olathe Federal Credit Union held $1.3M in shares and deposits for 272 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.