K C K FIREMEN & POLICE
Charter #66299 · KANSAS CITY, KS · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.49% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.97% sits at the 89th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.98% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.89% sits at the 93rd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 25th percentile but its structural peers at the 70th — a 45-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 | K C K FIREMEN & POLICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $16.32M | 25th pct | 70th pct |
| Members | 1,896 | 42th pct | 70th pct |
| Net worth ratio | 17.23% | 73th pct | 52th pct |
| Return on average assets | 0.58% | 46th pct | 56th pct |
| Net interest margin | 4.49% | 78th pct | 84th pct |
| Cost of funds | 1.97% | 89th pct | 89th pct |
| Loan-to-share | 66.40% | 64th pct | 61th pct |
| Delinquency 60+ days | 1.98% | 85th pct | 87th pct |
| Net charge-off ratio | 1.89% | 94th pct | 93th pct |
| Loan growth YoY | -4.04% | 38th pct | 59th pct |
| Share growth YoY | 2.08% | 45th pct | 67th pct |
| Efficiency ratio | 73.92% | 35th pct | 26th pct |
structural peer set hash: 694737954bbf4a8d9e0d44e6bb663d48… (reproducible)
Closest structural peers
This is the free public view
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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.