C & R Credit Union is a federally insured state-chartered credit union headquartered in Clay Center, Kansas, in business for about 64 years. At the end of Q2 2026 it reported $4.3M in total assets and $3.8M in member shares and deposits, with 1 office.
C & R Credit Union has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 40% of its 2,479 credit unions with under $100 million in assets. Among 62 credit unions headquartered in Kansas, it ranks 34th. Problem-loan coverage contributes the most (95/100, 2.5%); earnings contributes the least (25/100, 0.13%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (71 → 70).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 68 |
| Q4 2024 | 71 |
| Q1 2025 | 50 |
| Q2 2025 | 71 |
| Q3 2025 | 69 |
| Q4 2025 | 48 |
| Q1 2026 | 45 |
| Q2 2026 | 70 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 14.29% |
| Q3 2024 | 13.98% |
| Q4 2024 | 13.49% |
| Q1 2025 | 11.78% |
| Q2 2025 | 12.01% |
| Q3 2025 | 12.97% |
| Q4 2025 | 12.84% |
| Q1 2026 | 12.17% |
| Q2 2026 | 12.28% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.38% |
| Q3 2024 | 0.50% |
| Q4 2024 | 0.20% |
| Q1 2025 | 1.95% |
| Q2 2025 | 0.05% |
| Q3 2025 | 0.72% |
| Q4 2025 | 2.90% |
| Q1 2026 | 2.73% |
| Q2 2026 | 0.51% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.12% |
| Q3 2024 | -0.51% |
| Q4 2024 | -0.38% |
| Q1 2025 | -1.90% |
| Q2 2025 | -0.18% |
| Q3 2025 | 0.07% |
| Q4 2025 | 0.09% |
| Q1 2026 | -0.43% |
| Q2 2026 | 0.13% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $4.3M | 12.28% | 0.51% | 0.13% | 73.4% |
| Q1 2026 | 45 | $4.3M | 12.17% | 2.73% | -0.43% | 75.1% |
| Q4 2025 | 48 | $4.1M | 12.84% | 2.90% | 0.09% | 81.9% |
| Q3 2025 | 69 | $4.0M | 12.97% | 0.72% | 0.07% | 82.0% |
| Q2 2025 | 71 | $4.3M | 12.01% | 0.05% | -0.18% | 77.3% |
| Q1 2025 | 50 | $4.3M | 11.78% | 1.95% | -1.90% | 76.9% |
| Q4 2024 | 71 | $3.9M | 13.49% | 0.20% | -0.38% | 85.4% |
| Q3 2024 | 68 | $3.7M | 13.98% | 0.50% | -0.51% | 86.2% |
| Q2 2024 | 75 | $3.8M | 14.29% | 0.38% | 0.12% | 86.1% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Hutchinson Postal & Community Credit UnionCredit union Hutchinson, KS | 70 out of 100, Strong | $5.2M | 17.6% | 0.85% | vs |
| Morton Credit UnionCredit union South Hutchinso, KS | 65 out of 100, Moderate | $5.5M | 13.6% | 1.33% | vs |
| Ellis Credit UnionCredit union Ellis, KS | 89 out of 100, Very strong | $5.6M | 17.1% | 0.00% | vs |
| Tri-County Credit UnionCredit union Grinnell, KS | 91 out of 100, Very strong | $5.9M | 16.5% | 0.00% | vs |
| Central Kansas Education Credit UnionCredit union Salina, KS | 81 out of 100, Strong | $6.0M | 13.5% | 0.15% | vs |
| Topeka Police Credit UnionCredit union Topeka, KS | 88 out of 100, Very strong | $6.3M | 15.7% | 0.05% | vs |
Deposit insurance
Is my money safe at C & R Credit Union?
Yes. C & R Credit Union is a federally insured credit union (NCUA charter #67783). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 12.28%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
C & R Credit Union lists 1 office in 1 city. Most locations:
- Clay Center, KS (1)
Identity & history
Profile
- Legal name
- C & R Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 67783
- RSSD ID
- 219398
- Primary regulator
- State + NCUA
- Established
- 1962
- Headquarters
- P.O. Box 896, Clay Center, KS 67432
- Employees
- 2
Quick answers
C & R Credit Union: common questions
Is C & R Credit Union NCUA insured?
Yes. C & R Credit Union is a federally insured credit union (NCUA charter #67783). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is C & R Credit Union's TellerScore?
70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does C & R Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Clay Center
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Kaw Valley State Bank and Trust CompanyBank Wamego, KS | 85 out of 100, Very strong | $295.8M | 11.7% | 0.08% | vs |
| Armed Forces Bank, National AssociationBank Fort Leavenworth, KS | 83 out of 100, Strong | $1.4B | 13.9% | 1.21% | vs |
| GNBank, National AssociationBank Girard, KS | 80 out of 100, Strong | $1.1B | 11.6% | 0.13% | vs |
| United Bank & TrustBank Marysville, KS | 79 out of 100, Strong | $892.9M | 11.5% | 0.00% | vs |
| The Riley State Bank of Riley, KansasBank Riley, KS | 78 out of 100, Strong | $132.0M | 10.5% | 0.00% | vs |
| The First National Bank of HopeBank Hope, KS | 75 out of 100, Strong | $83.4M | 13.8% | 1.33% | vs |