TellerScore

McPherson Co-Op Credit Union (NCUA charter #65371) is based in McPherson, Kansas. Its Q2 2026 call report shows $44.0M in total assets and $39.6M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, McPherson Co-Op Credit Union scores 69/100, which we describe as moderate. That is higher than only 38% of 2,479 credit unions with under $100 million in assets. Among 62 credit unions headquartered in Kansas, it ranks 35th. Its strongest component is problem-loan coverage (98/100; 1.0%), and its lowest is capital cushion (47/100; 9.74%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Net worth ratio: 9.74%
Loan quality96/100
Loans 60+ days delinquent ÷ total loans: 0.11%
Earnings60/100
Return on assets (annualized): 1.00%
Funding & liquidity63/100
Loans ÷ shares: 96.9% · 3.1% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.99%

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 (76 → 69), mostly because the earnings component weakened by 35 points.

TellerScore
626976Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202463
Q4 202462
Q1 202576
Q2 202576
Q3 202575
Q4 202571
Q1 202669
Q2 202669
Net worth ratio
7.00%8.37%9.74%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.96%
Q3 20248.26%
Q4 20248.21%
Q1 20258.53%
Q2 20259.06%
Q3 20259.33%
Q4 20259.10%
Q1 20269.27%
Q2 20269.74%
Delinquent loans (60+ days)
0.00%0.06%0.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.11%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.02%
Q1 20260.00%
Q2 20260.11%
Return on assets
0.42%1.34%2.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.65%
Q3 20240.59%
Q4 20240.42%
Q1 20252.27%
Q2 20251.88%
Q3 20251.58%
Q4 20251.25%
Q1 20260.88%
Q2 20261.00%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$44.0M9.74%0.11%1.00%96.9%
Q1 202669$44.9M9.27%0.00%0.88%93.1%
Q4 202571$44.6M9.10%0.02%1.25%94.5%
Q3 202575$43.1M9.33%0.00%1.58%93.2%
Q2 202576$43.2M9.06%0.00%1.88%94.5%
Q1 202576$44.1M8.53%0.00%2.27%90.4%
Q4 202462$42.7M8.21%0.00%0.42%94.5%
Q3 202463$42.6M8.26%0.00%0.59%94.8%
Q2 202462$43.6M7.96%0.11%0.65%94.3%

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 ratio9.74%
14th
Problem loans0.11%
79th
Net charge-offs0.12%
55th
Return on assets1.00%
68th
Loans to deposits96.9%
4th
Uninsured deposits3.1%
35th
Loan-loss reserves0.00%
37th
Texas ratio1.0%
65th

Similar-size credit unions in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
B&v Credit UnionCredit union Overland Park, KS88 out of 100, Very strong$42.6M18.9%0.84%vs
Credit Union of EmporiaCredit union Emporia, KS90 out of 100, Very strong$42.1M15.3%0.56%vs
Campus Credit UnionCredit union Wichita, KS64 out of 100, Moderate$41.1M9.1%0.50%vs
Catholic Family Federal Credit UnionCredit union Wichita, KS48 out of 100, Below average$41.0M7.4%1.17%vs
U S P L K Employees Federal Credit UnionCredit union Leavenworth, KS87 out of 100, Very strong$34.0M13.9%0.15%vs
United Northwest Federal Credit UnionCredit union Norton, KS87 out of 100, Very strong$54.5M15.9%0.35%vs

Deposit insurance

Is my money safe at McPherson Co-Op Credit Union?

Yes. McPherson Co-Op Credit Union is a federally insured credit union (NCUA charter #65371). 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 3.1% of shares and deposits ($1.2M) 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 9.74%, 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

McPherson Co-Op Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
McPherson Co-Op Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
65371
RSSD ID
216191
Primary regulator
State + NCUA
Established
1946
Headquarters
P. O. 904, McPherson, KS 67460
Employees
12

Quick answers

McPherson Co-Op Credit Union: common questions

Is McPherson Co-Op Credit Union NCUA insured?

Yes. McPherson Co-Op Credit Union is a federally insured credit union (NCUA charter #65371). 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 McPherson Co-Op Credit Union's TellerScore?

69 out of 100 (Moderate), 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 McPherson Co-Op Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near McPherson

InstitutionScoreAssetsCapitalProblem loansCompare
The Citizens State BankBank Moundridge, KS95 out of 100, Very strong$450.6M14.4%0.01%vs
The State Bank of Canton, Canton, KansasBank Canton, KS91 out of 100, Very strong$36.6M22.1%0.00%vs
Dillon Credit UnionCredit union Hutchinson, KS82 out of 100, Strong$79.8M14.0%1.11%vs
First Bank KansasBank Salina, KS79 out of 100, Strong$618.5M8.8%0.04%vs
The Bank of TescottBank Tescott, KS79 out of 100, Strong$648.3M10.6%0.08%vs
The Farmers State BankBank Mcpherson, KS78 out of 100, Strong$180.5M10.0%0.01%vs