KC UNIDOS
Charter #4531 · Kansas City, MO · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,578 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 7.91% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- On Loan growth YoY, the asset-size band puts this credit union at the 67th percentile but its structural peers at the 38th — a 29-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | KC UNIDOS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.54M | 90th pct | 62th pct |
| Members | 1,578 | 94th pct | 79th pct |
| Net worth ratio | 29.12% | 84th pct | 70th pct |
| Return on average assets | 0.68% | 60th pct | 49th pct |
| Net interest margin | 7.91% | 98th pct | 97th pct |
| Cost of funds | 0.86% | 60th pct | 41th pct |
| Loan-to-share | 113.22% | 97th pct | 87th pct |
| Delinquency 60+ days | 0.39% | 39th pct | 39th pct |
| Net charge-off ratio | 0.01% | 72th pct | 61th pct |
| Loan growth YoY | -1.58% | 67th pct | 38th pct |
| Share growth YoY | 8.83% | 92th pct | 93th pct |
| Efficiency ratio | 92.78% | 60th pct | 67th pct |
structural peer set hash: b02779f5d45875cff3c9a2aa312aed95… (reproducible)
Closest structural peers
This is the free public view
Claim KC UNIDOS
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.