Raytown, MO · Charter 67009
NCUA · 1 branch
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
4
Asset Quality
36
Profitability
75
Liquidity
57
Efficiency
61
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 67009
NCUA · 1 branch
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 | 0.97% | 0.89% | 0.27% | 0.50% | 0.73% | 0.69% | 0.07% | 0.66% | +16 bps | |
| Return on Equity | 12.80% | 11.30% | 3.67% | 6.68% | 9.76% | 9.21% | 0.94% | 8.99% | +231 bps | |
| Net Interest Margin | 5.64% | 5.74% | 5.36% | 5.47% | 5.34% | 5.33% | 5.20% | 5.20% | -27 bps | |
| Efficiency Ratio | 82.26% | 81.60% | 79.60% | 76.94% | 76.81% | 78.53% | 75.26% | 74.14% | -280 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.67% | 0.10% | 6.71% | 9.16% | 11.61% | 14.91% | 13.05% | 13.48% | +431 bps | |
| Loan Growth (YoY) | 11.55% | -2.95% | -3.92% | -1.72% | -0.59% | 0.31% | 0.35% | -2.37% | -64 bps | |
| Share Growth (YoY) | 1.79% | -0.88% | 6.49% | 9.29% | 11.81% | 15.29% | 13.38% | 13.69% | +440 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 1.20% | 1.77% | 1.28% | 0.79% | 0.69% | 1.26% | 1.13% | -15 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 | 7.58% | 7.83% | 7.40% | 7.49% | 7.47% | 7.51% | 7.16% | 7.35% | -14 bps | |
| Net Worth / Assets | 7.58% | 7.83% | 7.40% | 7.49% | 7.47% | 7.51% | 7.16% | 7.35% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.87% | 68.25% | 62.67% | 62.90% | 60.34% | 59.38% | 55.47% | 54.02% | -888 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 67009 · Peer group: credit unions under $1B in assets in the Kansas City, MO-KS area (n=27-28)
NCUA · 1 branch
Q2 2026
Return on Assets
0.66%
Rank 12 of 28
Net Interest Margin
5.19%
Rank 5 of 28
Efficiency Ratio
74.17%
Rank 12 of 28
Equity / Assets
7.35%
Rank 27 of 28
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.66% | 0.31% | 0.62% | 1.15% | Beats 57% | 12 / 28 | ||
| Return on Equity | 8.99% | 3.10% | 5.79% | 7.32% | Beats 85% | 4 / 27 | ||
| Net Interest Margin | 5.19% | 3.95% | 4.17% | 4.96% | Beats 82% | 5 / 28 | ||
| Efficiency Ratio | 74.17% | 71.31% | 75.97% | 85.82% | Beats 61% | 12 / 28 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.13% | 0.40% | 0.84% | 1.90% | Beats 36% | 19 / 28 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.35% | 9.27% | 11.97% | 17.47% | Beats 4% | 27 / 28 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.35% | 9.27% | 11.97% | 17.47% | Beats 4% | 27 / 28 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 54.02% | 47.88% | 66.90% | 83.14% | 36th pctl | 18 / 28 | ||
| Loans / Assets | 49.88% | 42.23% | 58.20% | 69.16% | 36th pctl | 18 / 28 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||