TellerScore

Headquartered in Kansas City, Missouri, Public Safety Credit Union is a federally insured state-chartered credit union with $191.4M in total assets and $167.1M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1934.

Public Safety Credit Union has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 74% of its 1,341 credit unions with $100 million – $1 billion. Among 87 credit unions headquartered in Missouri, it ranks 21st. Problem-loan coverage contributes the most (96/100, 2.1%); earnings contributes the least (57/100, 0.93%).

TellerScore · Q2 2026

Scorecard

Capital cushion77/100
Net worth ratio: 12.72%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.39%
Earnings57/100
Return on assets (annualized): 0.93%
Funding & liquidity81/100
Loans ÷ shares: 78.9% · 3.2% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.12%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (79 → 78).

TellerScore
737780Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202473
Q3 202475
Q4 202477
Q1 202577
Q2 202579
Q3 202580
Q4 202580
Q1 202679
Q2 202678
Net worth ratio
7.00%9.86%12.72%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.42%
Q3 202411.88%
Q4 202412.00%
Q1 202511.79%
Q2 202512.04%
Q3 202512.29%
Q4 202512.66%
Q1 202612.51%
Q2 202612.72%
Delinquent loans (60+ days)
0.19%0.44%0.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.70%
Q3 20240.59%
Q4 20240.42%
Q1 20250.23%
Q2 20250.30%
Q3 20250.19%
Q4 20250.39%
Q1 20260.19%
Q2 20260.39%
Return on assets
0.83%1.00%1.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.10%
Q3 20241.10%
Q4 20241.08%
Q1 20250.86%
Q2 20251.06%
Q3 20251.10%
Q4 20251.18%
Q1 20260.83%
Q2 20260.93%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$191.4M12.72%0.39%0.93%78.9%
Q1 202679$190.6M12.51%0.19%0.83%77.3%
Q4 202580$185.2M12.66%0.39%1.18%79.3%
Q3 202580$185.8M12.29%0.19%1.10%77.3%
Q2 202579$185.1M12.04%0.30%1.06%74.6%
Q1 202577$184.0M11.79%0.23%0.86%74.4%
Q4 202477$177.5M12.00%0.42%1.08%76.2%
Q3 202475$175.6M11.88%0.59%1.10%77.1%
Q2 202473$178.6M11.42%0.70%1.10%75.4%

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 ratio12.72%
66th
Problem loans0.39%
74th
Net charge-offs0.59%
27th
Return on assets0.93%
62nd
Loans to deposits78.9%
43rd
Uninsured deposits3.2%
80th
Loan-loss reserves0.00%
50th
Texas ratio2.1%
74th

Similar-size credit unions in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Conservation Employees Credit UnionCredit union Jefferson City, MO74 out of 100, Strong$194.9M9.8%0.20%vs
Century Credit UnionCredit union Saint Louis, MO87 out of 100, Very strong$182.0M17.6%0.37%vs
United Consumers Credit UnionCredit union Independence, MO69 out of 100, Moderate$217.2M12.0%1.17%vs
R G Federal Credit UnionCredit union Raymore, MO60 out of 100, Moderate$153.6M10.0%0.58%vs
Ozark Federal Credit UnionCredit union Poplar Bluff, MO81 out of 100, Strong$142.5M11.6%0.18%vs
Central Missouri Community Credit UnionCredit union Warrensburg, MO60 out of 100, Moderate$140.2M8.2%0.52%vs

Deposit insurance

Is my money safe at Public Safety Credit Union?

Yes. Public Safety Credit Union is a federally insured credit union (NCUA charter #62812). 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 3.2% of shares and deposits ($5.3M) 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 12.72%, well 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

Public Safety Credit Union lists 4 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Public Safety Credit Union reported 28 home-loan applications under HMDA (LEI 549300Q3FASY9ZW0JS02): 16 originated ($4,220,000 total), 2 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.3%, 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
Public Safety Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62812
RSSD ID
682291
Primary regulator
State + NCUA
Established
1934
Headquarters
PO Box 270020, Kansas City, MO 64127
Employees
49

Quick answers

Public Safety Credit Union: common questions

Is Public Safety Credit Union NCUA insured?

Yes. Public Safety Credit Union is a federally insured credit union (NCUA charter #62812). 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 Public Safety Credit Union's TellerScore?

78 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 Public Safety Credit Union have?

4 offices 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