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Kansas Credit Union Performance
How the 62 credit unions based in Kansas are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
Kansas's 62 credit unions serve 1,342,594 members and hold $19.37B in combined assets. The median Kansas credit union earned a 0.67% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Kansas credit unions was -0.65%, compared with -0.55% nationally. Median one-year asset growth was 2.11%, compared with 2.78% nationally. So far this year, one Kansas credit union has completed a merger. Figures are from the Q1 2026 NCUA Call Report.
Kansas at a glance
Kansas vs. the United States
System totals are the sum of every credit union based in Kansas. The share column is Kansas's portion of the national figure.
| Measure | Kansas | United States | Kansas share |
|---|---|---|---|
| Credit unions | 62 | 4,335 | 1.4% |
| Members | 1,342,594 | 147,031,529 | 0.9% |
| Residents (population) | 2,970,606 | 340,110,988 | 0.9% |
| Total assets | $19.37B | $2,507.50B | 0.8% |
| Total loans | $13.64B | $1,744.86B | 0.8% |
| Total shares & deposits | $16.87B | $2,143.21B | 0.8% |
| Total net worth | $2.06B | $282.23B | 0.7% |
| Mergers year-to-date | 1 | 27 | — |
Membership reach. Kansas credit unions report about 45 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Kansas credit unions serve members in other states, so it overstates true in-state penetration.)
The median Kansas credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Kansas CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.67% | 0.66% |
| Net worth ratio | 13.18% | 12.44% |
| Loan-to-share ratio | 67.56% | 67.86% |
| Delinquency ratio | 0.74% | 0.63% |
| Net charge-off ratio | 0.49% | 0.33% |
| Cost of funds | 1.21% | 1.05% |
| Member growth (1 yr) | -0.65% | -0.55% |
| Asset growth (1 yr) | 2.11% | 2.78% |
| Loan growth (1 yr) | 1.87% | 0.63% |
| Share growth (1 yr) | 1.37% | 2.36% |
| Net worth growth (1 yr) | 3.87% | 5.57% |
Trends over time
The median Kansas credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.63% · 0.72%
— Kansas ‑‑ U.S.
Net worth ratio 13.48% · 12.46%
— Kansas ‑‑ U.S.
Loan-to-share ratio 72.09% · 69.70%
— Kansas ‑‑ U.S.
Delinquency ratio 0.93% · 0.72%
— Kansas ‑‑ U.S.
Asset growth (1 yr) 2.58% · 3.26%
— Kansas ‑‑ U.S.
Member growth (1 yr) -0.68% · -0.52%
— Kansas ‑‑ U.S.
Kansas leaderboards
Largest by assets
- 1 Western Credit Union $8.98B
- 2 Credit Union of America $1.83B
- 3 Mazuma Credit Union $1.06B
- 4 Golden Plains Credit Union $1.00B
- 5 Credit Union 1 of Kansas $851.9M
- 6 Heartland Credit Union $708.6M
- 7 Credit Union of Johnson County $693.6M
- 8 Kansas Credit Union $686.1M
- 9 Mid American Credit Union $521.0M
- 10 Skyward Credit Union $471.8M
Highest return on assets
- 1 Augusta White Eagle Credit Union 2.04%
- 2 Heartland Credit Union 1.51%
- 3 Ark Valley Credit Union 1.46%
- 4 Dillon Employees' Credit Union 1.44%
- 5 Western Credit Union 1.34%
- 6 Sm Credit Union 1.33%
- 7 Kansas Teachers Community Credit Union 1.30%
- 8 Credit Union of Dodge City 1.29%
- 9 Golden Plains Credit Union 1.05%
- 10 Emporia State Credit Union 1.05%
Fastest-growing (organic)
- 1 Skyward Credit Union 25.31%
- 2 Mid American Credit Union 12.62%
- 3 Augusta White Eagle Credit Union 10.30%
- 4 Heartland Credit Union 8.29%
- 5 Mid-Kansas Credit Union 7.10%
- 6 Credit Union of America 6.93%
- 7 Kansas Credit Union 5.82%
- 8 Dillon Employees' Credit Union 5.68%
- 9 Farmway Credit Union 5.60%
- 10 Credit Union 1 of Kansas 2.93%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Kansas that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.