Raytown, MO · Charter 62815
NCUA · 2 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
14
Asset Quality
54
Profitability
37
Liquidity
55
Efficiency
29
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.
Raytown, MO · Charter 62815
NCUA · 2 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 | 0.09% | 0.20% | 0.37% | 0.45% | 0.55% | 0.56% | 0.49% | 0.50% | +6 bps | |
| Return on Equity | 1.16% | 2.48% | 4.54% | 5.36% | 6.62% | 6.62% | 5.72% | 5.79% | +43 bps | |
| Net Interest Margin | 3.54% | 3.66% | 3.92% | 4.02% | 3.98% | 4.03% | 3.94% | 3.95% | -7 bps | |
| Efficiency Ratio | 85.13% | 84.27% | 78.31% | 79.13% | 78.79% | 81.00% | 85.51% | 85.47% | +634 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.49% | -5.59% | -2.73% | -2.45% | 2.04% | 1.97% | -0.06% | 1.81% | +425 bps | |
| Loan Growth (YoY) | -8.48% | -6.25% | -2.47% | -9.54% | -16.45% | -16.43% | -12.43% | -9.10% | +44 bps | |
| Share Growth (YoY) | -9.34% | -6.25% | -3.50% | -3.18% | 1.58% | 1.44% | -0.70% | 1.25% | +442 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 0.67% | 0.89% | 0.94% | 0.73% | 1.14% | 1.10% | 0.83% | -11 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 | 8.09% | 8.20% | 8.13% | 8.34% | 8.37% | 8.50% | 8.63% | 8.68% | +34 bps | |
| Net Worth / Assets | 8.09% | 8.20% | 8.13% | 8.34% | 8.37% | 8.50% | 8.63% | 8.68% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.39% | 65.14% | 60.59% | 59.40% | 55.42% | 53.66% | 53.44% | 53.32% | -607 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Raytown, MO · Charter 62815 · Peer group: credit unions under $1B in assets in the Kansas City, MO-KS area (n=27-28)
NCUA · 2 branches
Q2 2026
Return on Assets
0.50%
Rank 17 of 28
Net Interest Margin
3.95%
Rank 21 of 28
Efficiency Ratio
85.47%
Rank 21 of 28
Equity / Assets
8.68%
Rank 24 of 28
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.50% | 0.31% | 0.62% | 1.15% | Beats 39% | 17 / 28 | ||
| Return on Equity | 5.79% | 3.10% | 5.79% | 7.32% | Beats 48% | 14 / 27 | ||
| Net Interest Margin | 3.95% | 3.95% | 4.17% | 4.96% | Beats 25% | 21 / 28 | ||
| Efficiency Ratio | 85.47% | 71.31% | 75.97% | 85.82% | Beats 29% | 21 / 28 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.82% | 0.40% | 0.84% | 1.90% | Beats 54% | 14 / 28 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.68% | 9.27% | 11.97% | 17.47% | Beats 14% | 24 / 28 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.68% | 9.27% | 11.97% | 17.47% | Beats 14% | 24 / 28 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 53.32% | 47.88% | 66.90% | 83.14% | 32nd pctl | 19 / 28 | ||
| Loans / Assets | 48.42% | 42.23% | 58.20% | 69.16% | 32nd pctl | 19 / 28 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||