TellerScore

Mainstreet Federal Credit Union (NCUA charter #24858) is based in Lenexa, Kansas. Its Q2 2026 call report shows $702.7M in total assets and $640.1M in member shares and deposits and 4 offices.

Mainstreet Federal Credit Union has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than 51% of its 1,341 credit unions with $100 million – $1 billion. Among 62 credit unions headquartered in Kansas, it ranks 32nd. Funding & liquidity contributes the most (96/100, 64% loans-to-deposits, 2% uninsured); capital cushion contributes the least (49/100, 9.87%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Net worth ratio: 9.87%
Loan quality76/100
Loans 60+ days delinquent ÷ total loans: 0.71%
Earnings66/100
Return on assets (annualized): 1.15%
Funding & liquidity96/100
Loans ÷ shares: 64.4% · 2.2% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.27%

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 5 points (65 → 70), mostly because the earnings component improved by 24 points.

TellerScore
636770Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202463
Q3 202464
Q4 202464
Q1 202565
Q2 202565
Q3 202568
Q4 202567
Q1 202666
Q2 202670
Net worth ratio
7.00%8.43%9.87%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20248.67%
Q3 20248.70%
Q4 20248.82%
Q1 20258.84%
Q2 20258.97%
Q3 20259.24%
Q4 20259.68%
Q1 20269.62%
Q2 20269.87%
Delinquent loans (60+ days)
0.29%0.50%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.44%
Q3 20240.46%
Q4 20240.43%
Q1 20250.38%
Q2 20250.42%
Q3 20250.29%
Q4 20250.51%
Q1 20260.53%
Q2 20260.71%
Return on assets
0.40%0.77%1.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.40%
Q3 20240.45%
Q4 20240.46%
Q1 20250.47%
Q2 20250.54%
Q3 20250.59%
Q4 20250.63%
Q1 20260.52%
Q2 20261.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$702.7M9.87%0.71%1.15%64.4%
Q1 202666$693.6M9.62%0.53%0.52%62.8%
Q4 202567$674.4M9.68%0.51%0.63%65.2%
Q3 202568$694.2M9.24%0.29%0.59%65.5%
Q2 202565$702.0M8.97%0.42%0.54%65.1%
Q1 202565$699.9M8.84%0.38%0.47%63.6%
Q4 202464$692.0M8.82%0.43%0.46%64.1%
Q3 202464$692.5M8.70%0.46%0.45%63.4%
Q2 202463$683.7M8.67%0.44%0.40%62.9%

1,341 peers · $100 million – $1 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 ratio9.87%
26th
Problem loans0.71%
48th
Net charge-offs0.51%
34th
Return on assets1.15%
75th
Loans to deposits64.4%
71st
Uninsured deposits2.2%
88th
Loan-loss reserves0.00%
50th
Texas ratio5.3%
36th

Similar-size credit unions in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
Envista Federal Credit UnionCredit union Topeka, KS72 out of 100, Strong$693.4M10.8%0.31%vs
Heartland Credit UnionCredit union Hutchinson, KS66 out of 100, Moderate$726.4M9.8%1.20%vs
Azura Credit UnionCredit union Topeka, KS64 out of 100, Moderate$851.9M10.3%0.75%vs
Mid American Credit UnionCredit union Wichita, KS58 out of 100, Moderate$531.9M8.9%0.47%vs
Skyward Credit UnionCredit union Wichita, KS60 out of 100, Moderate$467.4M9.9%0.86%vs
Wichita Federal Credit UnionCredit union Wichita, KS63 out of 100, Moderate$280.5M14.5%2.11%vs

Deposit insurance

Is my money safe at Mainstreet Federal Credit Union?

Yes. Mainstreet Federal Credit Union is a federally insured credit union (NCUA charter #24858). 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 2.2% of shares and deposits ($14.1M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.87%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Mainstreet Federal Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Mainstreet Federal Credit Union reported 824 home-loan applications under HMDA (LEI 549300UFWBQTD1W41E26): 464 originated ($54,520,000 total), 173 denied, and 20 withdrawn or closed by the applicant. Its denial rate on decided applications was 21.5%, 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
Mainstreet Federal Credit Union
Type
Federal credit union
NCUA charter #
24858
RSSD ID
12898
Primary regulator
NCUA
Established
1953
Headquarters
13001 W 95th St, Lenexa, KS 66215
Employees
151

Quick answers

Mainstreet Federal Credit Union: common questions

Is Mainstreet Federal Credit Union NCUA insured?

Yes. Mainstreet Federal Credit Union is a federally insured credit union (NCUA charter #24858). 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 Mainstreet Federal 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 Mainstreet Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Lenexa

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