TellerScore

Credit Union of America (NCUA charter #60062) is based in Wichita, Kansas. Its Q2 2026 call report shows $1.9B in total assets and $1.5B in member shares and deposits and 8 offices.

Based on its Q2 2026 filing, Credit Union of America scores 75/100, which we describe as strong. That is higher than 75% of 454 credit unions with $1 billion – $10 billion. Among 62 credit unions headquartered in Kansas, it ranks 24th. Its strongest component is problem-loan coverage (90/100; 4.8%), and its lowest is funding & liquidity (60/100; 100% loans-to-deposits, 14% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion77/100
Net worth ratio: 12.69%
Loan quality79/100
Loans 60+ days delinquent ÷ total loans: 0.64%
Earnings69/100
Return on assets (annualized): 1.22%
Funding & liquidity60/100
Loans ÷ shares: 100.1% · 13.6% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.80%

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

From Q2 2025 to Q2 2026, the score rose 4 points (71 → 75), mostly because the earnings component improved by 15 points.

TellerScore
687275Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202471
Q4 202471
Q1 202568
Q2 202571
Q3 202572
Q4 202573
Q1 202672
Q2 202675
Net worth ratio
7.00%9.94%12.88%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.88%
Q3 202412.63%
Q4 202412.60%
Q1 202512.17%
Q2 202512.51%
Q3 202512.76%
Q4 202512.76%
Q1 202612.44%
Q2 202612.69%
Delinquent loans (60+ days)
0.55%0.61%0.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.57%
Q3 20240.58%
Q4 20240.67%
Q1 20250.55%
Q2 20250.60%
Q3 20250.62%
Q4 20250.64%
Q1 20260.56%
Q2 20260.64%
Return on assets
0.44%0.83%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.84%
Q3 20240.79%
Q4 20240.87%
Q1 20250.44%
Q2 20250.86%
Q3 20250.93%
Q4 20251.00%
Q1 20260.94%
Q2 20261.22%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$1.9B12.69%0.64%1.22%100.1%
Q1 202672$1.8B12.44%0.56%0.94%100.4%
Q4 202573$1.8B12.76%0.64%1.00%101.2%
Q3 202572$1.7B12.76%0.62%0.93%103.6%
Q2 202571$1.7B12.51%0.60%0.86%99.9%
Q1 202568$1.7B12.17%0.55%0.44%98.9%
Q4 202471$1.6B12.60%0.67%0.87%102.2%
Q3 202471$1.6B12.63%0.58%0.79%105.1%
Q2 202472$1.6B12.88%0.57%0.84%106.4%

454 peers · $1 billion – $10 billion

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).

Capital ratio12.69%
76th
Problem loans0.64%
54th
Net charge-offs0.55%
46th
Return on assets1.22%
82nd
Loans to deposits100.1%
14th
Uninsured deposits13.6%
18th
Loan-loss reserves0.00%
50th
Texas ratio4.8%
50th

Similar-size credit unions in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
Mazuma Credit UnionCredit union Overland Park, KS61 out of 100, Moderate$1.1B10.6%1.38%vs
Golden Plains Credit UnionCredit union Garden City, KS70 out of 100, Strong$1.0B13.2%1.06%vs
Communityamerica Federal Credit UnionCredit union Lenexa, KS49 out of 100, Below average$9.0B9.9%2.68%vs

Deposit insurance

Is my money safe at Credit Union of America?

Yes. Credit Union of America is a federally insured credit union (NCUA charter #60062). 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 13.6% of shares and deposits ($207.5M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 12.69%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

Credit Union of America lists 8 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Credit Union of America reported 2,521 home-loan applications under HMDA (LEI 549300RRQHIHHM9I4K21): 1,152 originated ($126,760,000 total), 693 denied, and 129 withdrawn or closed by the applicant. Its denial rate on decided applications was 29.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Credit Union of America
Type
Federally insured state-chartered credit union
NCUA charter #
60062
RSSD ID
365192
Primary regulator
State + NCUA
Established
1935
Headquarters
PO Box 47528, Wichita, KS 67201
Employees
328

Quick answers

Credit Union of America: common questions

Is Credit Union of America NCUA insured?

Yes. Credit Union of America is a federally insured credit union (NCUA charter #60062). 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 Credit Union of America's TellerScore?

75 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 Credit Union of America have?

8 offices as of the latest NCUA data.