TellerScore

Kc Unidos Federal Credit Union (NCUA charter #4531) is based in Kansas City, Missouri. Its Q2 2026 call report shows $8.5M in total assets and $5.9M in member shares and deposits and 1 office.

Kc Unidos Federal Credit Union has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than only 49% of its 2,479 credit unions with under $100 million in assets. Among 87 credit unions headquartered in Missouri, it ranks 33rd. Capital cushion contributes the most (100/100, 29.21%); earnings contributes the least (36/100, 0.39%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 29.21%
Loan quality78/100
Loans 60+ days delinquent ÷ total loans: 0.65%
Earnings36/100
Return on assets (annualized): 0.39%
Funding & liquidity50/100
Loans ÷ shares: 113.4% · 0.0% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.69%

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 5 points (79 → 74), mostly because the earnings component weakened by 26 points.

TellerScore
647688Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202488
Q4 202482
Q1 202580
Q2 202579
Q3 202580
Q4 202572
Q1 202678
Q2 202674
Net worth ratio
7.00%19.59%32.18%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202432.18%
Q3 202431.76%
Q4 202430.49%
Q1 202531.35%
Q2 202528.09%
Q3 202530.22%
Q4 202530.99%
Q1 202629.12%
Q2 202629.21%
Delinquent loans (60+ days)
0.29%1.83%3.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20243.37%
Q3 20240.29%
Q4 20240.80%
Q1 20250.49%
Q2 20250.65%
Q3 20250.68%
Q4 20251.71%
Q1 20260.39%
Q2 20260.65%
Return on assets
0.39%1.10%1.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.77%
Q3 20241.80%
Q4 20241.56%
Q1 20250.98%
Q2 20251.06%
Q3 20251.19%
Q4 20251.31%
Q1 20260.65%
Q2 20260.39%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$8.5M29.21%0.65%0.39%113.4%
Q1 202678$8.5M29.12%0.39%0.65%113.2%
Q4 202572$8.0M30.99%1.71%1.31%129.5%
Q3 202580$8.1M30.22%0.68%1.19%125.2%
Q2 202579$8.6M28.09%0.65%1.06%114.5%
Q1 202580$7.6M31.35%0.49%0.98%136.3%
Q4 202482$7.8M30.49%0.80%1.56%128.6%
Q3 202488$7.4M31.76%0.29%1.80%132.4%
Q2 202464$7.2M32.18%3.37%1.77%137.1%

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).

Capital ratio29.21%
93rd
Problem loans0.65%
52nd
Net charge-offs0.51%
27th
Return on assets0.39%
37th
Loans to deposits113.4%
1st
Uninsured deposits0.0%
81st
Loan-loss reserves1.24%
85th
Texas ratio1.7%
56th

Similar-size credit unions in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Community First Credit UnionCredit union Hannibal, MO65 out of 100, Moderate$8.5M11.5%0.26%vs
St. Joseph Teachers' Credit UnionCredit union Saint Joseph, MO78 out of 100, Strong$8.7M10.9%0.29%vs
South Central Missouri Credit UnionCredit union Willow Springs, MO71 out of 100, Strong$9.2M15.8%1.66%vs
Lovers Lane Credit UnionCredit union Saint Joseph, MO50 out of 100, Below average$7.8M13.8%2.78%vs
Fedco Credit UnionCredit union Jefferson City, MO73 out of 100, Strong$7.1M10.9%0.00%vs
Missouri Baptist Credit UnionCredit union Jefferson City, MO35 out of 100, Low$10.4M7.2%2.54%vs

Deposit insurance

Is my money safe at Kc Unidos Federal Credit Union?

Yes. Kc Unidos Federal Credit Union is a federally insured credit union (NCUA charter #4531). 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 29.21%, 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

Kc Unidos Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Kc Unidos Federal Credit Union
Type
Federal credit union
NCUA charter #
4531
RSSD ID
715377
Primary regulator
NCUA
Established
1941
Headquarters
2130 Jefferson ST Ste A, Kansas City, MO 64108
Employees
6

Quick answers

Kc Unidos Federal Credit Union: common questions

Is Kc Unidos Federal Credit Union NCUA insured?

Yes. Kc Unidos Federal Credit Union is a federally insured credit union (NCUA charter #4531). 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 Kc Unidos Federal Credit Union's TellerScore?

74 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 Kc Unidos Federal 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
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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