Raymore, MO · Charter 11962
NCUA · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Kansas City, MO-KS area (n=27 to 28). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
29
Asset Quality
68
Profitability
24
Liquidity
14
Efficiency
21
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Raymore, MO · Charter 11962
NCUA · 4 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.65% | 0.99% | 1.00% | 0.93% | 0.72% | 0.14% | 0.18% | -83 bps | |
| Return on Equity | 6.57% | 6.44% | 9.95% | 10.10% | 9.11% | 7.16% | 1.46% | 1.85% | -826 bps | |
| Net Interest Margin | 3.90% | 4.01% | 4.13% | 4.09% | 4.23% | 4.24% | 4.22% | 4.03% | -6 bps | |
| Efficiency Ratio | 81.75% | 80.95% | 73.70% | 73.09% | 75.56% | 76.67% | 89.82% | 88.56% | +1,547 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.58% | -1.11% | 3.08% | 6.02% | 4.74% | 6.54% | 6.03% | 7.31% | +129 bps | |
| Loan Growth (YoY) | 2.06% | 1.45% | 3.18% | 5.06% | 4.68% | 7.11% | 9.83% | 13.09% | +803 bps | |
| Share Growth (YoY) | -1.92% | -2.80% | 2.14% | 4.62% | 3.65% | 2.81% | 0.74% | -0.23% | -484 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 0.79% | 0.40% | 0.65% | 0.48% | 0.78% | 0.64% | 0.58% | -8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.80% | 10.02% | 9.99% | 9.92% | 10.16% | 10.08% | 9.89% | 9.50% | -42 bps | |
| Net Worth / Assets | 9.80% | 10.02% | 9.99% | 9.92% | 10.16% | 10.08% | 9.89% | 9.50% | -42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.06% | 84.44% | 81.85% | 81.59% | 83.89% | 87.97% | 89.24% | 92.47% | +1,089 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Raymore, MO · Charter 11962 · Peer group: credit unions under $1B in assets in the Kansas City, MO-KS area (n=27-28)
NCUA · 4 branches
Q2 2026
Return on Assets
0.18%
Rank 24 of 28
Net Interest Margin
4.03%
Rank 17 of 28
Efficiency Ratio
88.54%
Rank 23 of 28
Equity / Assets
9.50%
Rank 20 of 28
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.18% | 0.31% | 0.62% | 1.15% | Beats 14% | 24 / 28 | ||
| Return on Equity | 1.85% | 3.10% | 5.79% | 7.32% | Beats 19% | 22 / 27 | ||
| Net Interest Margin | 4.03% | 3.95% | 4.17% | 4.96% | Beats 39% | 17 / 28 | ||
| Efficiency Ratio | 88.54% | 71.31% | 75.97% | 85.82% | Beats 21% | 23 / 28 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.58% | 0.40% | 0.84% | 1.90% | Beats 68% | 10 / 28 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.50% | 9.27% | 11.97% | 17.47% | Beats 29% | 20 / 28 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.50% | 9.27% | 11.97% | 17.47% | Beats 29% | 20 / 28 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.47% | 47.88% | 66.90% | 83.14% | 86th pctl | 4 / 28 | ||
| Loans / Assets | 77.10% | 42.23% | 58.20% | 69.16% | 93rd pctl | 2 / 28 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||