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Raytown-Lee's Summit Community

Raytown, MO · Charter 62815

NCUA · 2 branches

Q2 2026

$60.1MAssets
$29.1MLoans
$54.6MShares
$5.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.50%, up 6 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 0.83% of loans (-11 bps YoY).
  • Capital: net worth / assets of 8.68%, up 34 bps from a year ago.
  • Funding: loans stand at 53.32% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.50%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.95%-7 bps YoY

Efficiency Ratio (YTD, annualized)

85.47%+634 bps YoY

Net Worth / Assets

8.68%+34 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.09%0.20%0.37%0.45%0.55%0.56%0.49%0.50%+6 bps
Return on Equity1.16%2.48%4.54%5.36%6.62%6.62%5.72%5.79%+43 bps
Net Interest Margin3.54%3.66%3.92%4.02%3.98%4.03%3.94%3.95%-7 bps
Efficiency Ratio85.13%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 / Loans0.73%0.67%0.89%0.94%0.73%1.14%1.10%0.83%-11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.09%8.20%8.13%8.34%8.37%8.50%8.63%8.68%+34 bps
Net Worth / Assets8.09%8.20%8.13%8.34%8.37%8.50%8.63%8.68%+34 bps
Liquidity & Funding
Loans / Shares67.39%65.14%60.59%59.40%55.42%53.66%53.44%53.32%-607 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps