TellerScore

Headquartered in Kansas City, Missouri, K.C. Area Credit Union is a federally insured state-chartered credit union with $11.4M in total assets and $9.4M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1946.

K.C. Area Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 54% of its 2,479 credit unions with under $100 million in assets. Among 87 credit unions headquartered in Missouri, it ranks 28th. Capital cushion contributes the most (100/100, 17.20%); earnings contributes the least (29/100, 0.22%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.20%
Loan quality64/100
Loans 60+ days delinquent ÷ total loans: 1.09%
Earnings29/100
Return on assets (annualized): 0.22%
Funding & liquidity100/100
Loans ÷ shares: 42.1% · 0.3% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.21%

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 fell 7 points (83 → 76), mostly because the earnings component weakened by 18 points.

TellerScore
768287Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202484
Q3 202487
Q4 202487
Q1 202586
Q2 202583
Q3 202581
Q4 202581
Q1 202678
Q2 202676
Net worth ratio
7.00%12.21%17.43%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.69%
Q3 202416.90%
Q4 202417.36%
Q1 202516.26%
Q2 202516.48%
Q3 202516.68%
Q4 202517.43%
Q1 202617.10%
Q2 202617.20%
Delinquent loans (60+ days)
0.29%0.69%1.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.47%
Q3 20240.43%
Q4 20240.32%
Q1 20250.29%
Q2 20250.79%
Q3 20251.04%
Q4 20251.10%
Q1 20261.10%
Q2 20261.09%
Return on assets
0.22%0.51%0.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.58%
Q3 20240.79%
Q4 20240.78%
Q1 20250.62%
Q2 20250.67%
Q3 20250.77%
Q4 20250.80%
Q1 20260.41%
Q2 20260.22%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$11.4M17.20%1.09%0.22%42.1%
Q1 202678$11.5M17.10%1.10%0.41%39.1%
Q4 202581$11.2M17.43%1.10%0.80%40.3%
Q3 202581$11.5M16.68%1.04%0.77%37.6%
Q2 202583$11.5M16.48%0.79%0.67%38.8%
Q1 202586$11.5M16.26%0.29%0.62%40.4%
Q4 202487$10.7M17.36%0.32%0.78%46.0%
Q3 202487$10.9M16.90%0.43%0.79%46.9%
Q2 202484$10.8M16.69%0.47%0.58%48.4%

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).

Capital ratio17.20%
66th
Problem loans1.09%
36th
Net charge-offs2.04%
5th
Return on assets0.22%
28th
Loans to deposits42.1%
75th
Uninsured deposits0.3%
60th
Loan-loss reserves0.00%
37th
Texas ratio2.2%
50th

Similar-size credit unions in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Northwest Missouri Regional Credit UnionCredit union Maryville, MO74 out of 100, Strong$11.2M11.7%0.18%vs
Missouri Baptist Credit UnionCredit union Jefferson City, MO35 out of 100, Low$10.4M7.2%2.54%vs
South Central Missouri Credit UnionCredit union Willow Springs, MO71 out of 100, Strong$9.2M15.8%1.66%vs
St. Joseph Teachers' Credit UnionCredit union Saint Joseph, MO78 out of 100, Strong$8.7M10.9%0.29%vs
Community First Credit UnionCredit union Hannibal, MO65 out of 100, Moderate$8.5M11.5%0.26%vs
Kc Unidos Federal Credit UnionCredit union Kansas City, MO74 out of 100, Strong$8.5M29.2%0.65%vs

Deposit insurance

Is my money safe at K.C. Area Credit Union?

Yes. K.C. Area Credit Union is a federally insured credit union (NCUA charter #64939). 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 0.3% of shares and deposits ($26K) 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 17.20%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

K.C. Area Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
K.C. Area Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64939
RSSD ID
112190
Primary regulator
State + NCUA
Established
1946
Headquarters
Po Box 15566, Kansas City, MO 64106
Employees
4

Quick answers

K.C. Area Credit Union: common questions

Is K.C. Area Credit Union NCUA insured?

Yes. K.C. Area Credit Union is a federally insured credit union (NCUA charter #64939). 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 K.C. Area Credit Union's TellerScore?

76 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 K.C. Area Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Kansas City

InstitutionScoreAssetsCapitalProblem loansCompare
Comanche County Federal Credit UnionCredit union Lawton, OK96 out of 100, Very strong$36.4M18.8%0.00%vs
Farmers Bank & TrustBank Great Bend, KS96 out of 100, Very strong$1.1B24.0%0.19%vs
K.U.M.C. Credit UnionCredit union Shawnee, KS95 out of 100, Very strong$31.4M13.8%0.04%vs
The Bank of Grain ValleyBank Grain Valley, MO95 out of 100, Very strong$110.6M24.0%0.00%vs
National Advisors Trust CompanyBank Leawood, KS94 out of 100, Very strong$21.6M83.7%0.00%vs
Reliance Credit UnionCredit union Kansas City, KS93 out of 100, Very strong$25.1M16.4%0.30%vs