TellerScore

Sm Federal Credit Union (NCUA charter #13941) is based in Mission, Kansas. Its Q2 2026 call report shows $77.2M in total assets and $61.4M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, Sm Federal Credit Union scores 89/100, which we describe as very strong. That is higher than 87% of 2,479 credit unions with under $100 million in assets. Among 62 credit unions headquartered in Kansas, it ranks 8th. Its strongest component is capital cushion (100/100; 19.98%), and its lowest is earnings (70/100; 1.24%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 19.98%
Loan quality92/100
Loans 60+ days delinquent ÷ total loans: 0.24%
Earnings70/100
Return on assets (annualized): 1.24%
Funding & liquidity81/100
Loans ÷ shares: 78.9% · 3.3% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.76%

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 9 points (80 → 89), mostly because the loan quality component improved by 26 points.

TellerScore
738393Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202474
Q3 202474
Q4 202473
Q1 202579
Q2 202580
Q3 202581
Q4 202586
Q1 202693
Q2 202689
Net worth ratio
7.00%13.49%19.98%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202419.16%
Q3 202418.55%
Q4 202418.54%
Q1 202518.71%
Q2 202519.28%
Q3 202519.34%
Q4 202519.19%
Q1 202619.45%
Q2 202619.98%
Delinquent loans (60+ days)
0.00%0.53%1.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.96%
Q3 20241.00%
Q4 20241.01%
Q1 20251.07%
Q2 20251.01%
Q3 20251.01%
Q4 20250.00%
Q1 20260.00%
Q2 20260.24%
Return on assets
0.12%0.73%1.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.16%
Q3 20240.18%
Q4 20240.12%
Q1 20250.86%
Q2 20250.91%
Q3 20250.98%
Q4 20250.53%
Q1 20261.33%
Q2 20261.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$77.2M19.98%0.24%1.24%78.9%
Q1 202693$77.8M19.45%0.00%1.33%74.3%
Q4 202586$77.5M19.19%0.00%0.53%75.1%
Q3 202581$77.7M19.34%1.01%0.98%73.1%
Q2 202580$76.8M19.28%1.01%0.91%74.3%
Q1 202579$78.2M18.71%1.07%0.86%73.2%
Q4 202473$78.0M18.54%1.01%0.12%76.6%
Q3 202474$78.0M18.55%1.00%0.18%74.7%
Q2 202474$75.4M19.16%0.96%0.16%78.5%

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 ratio19.98%
77th
Problem loans0.24%
71st
Net charge-offs0.00%
77th
Return on assets1.24%
77th
Loans to deposits78.9%
21st
Uninsured deposits3.3%
33rd
Loan-loss reserves0.00%
37th
Texas ratio0.8%
70th

Similar-size credit unions in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
Dillon Credit UnionCredit union Hutchinson, KS82 out of 100, Strong$79.8M14.0%1.11%vs
Midwest Regional Credit UnionCredit union Kansas City, KS71 out of 100, Strong$71.9M11.1%0.63%vs
Mid-Kansas Credit UnionCredit union Moundridge, KS47 out of 100, Below average$84.0M9.3%2.34%vs
Panhandle Federal Credit UnionCredit union Wellington, KS80 out of 100, Strong$62.5M16.5%0.24%vs
Ark Valley Credit UnionCredit union Arkansas City, KS94 out of 100, Very strong$57.3M15.2%0.19%vs
Empower Blue Credit UnionCredit union Topeka, KS88 out of 100, Very strong$55.1M18.1%0.10%vs

Deposit insurance

Is my money safe at Sm Federal Credit Union?

Yes. Sm Federal Credit Union is a federally insured credit union (NCUA charter #13941). 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 3.3% of shares and deposits ($2.0M) 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 19.98%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Sm Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Sm Federal Credit Union
Type
Federal credit union
NCUA charter #
13941
RSSD ID
568788
Primary regulator
NCUA
Established
1960
Headquarters
P. O. Box 498, Mission, KS 66201
Employees
4

Quick answers

Sm Federal Credit Union: common questions

Is Sm Federal Credit Union NCUA insured?

Yes. Sm Federal Credit Union is a federally insured credit union (NCUA charter #13941). 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 Sm Federal Credit Union's TellerScore?

89 out of 100 (Very 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 Sm Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Mission

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