BlastPoint's Credit Union Scorecard
RAYTOWN-LEE'S SUMMIT COMMUNITY
Charter #62815 · MO
RAYTOWN-LEE'S SUMMIT COMMUNITY has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.05% above tier average
- + Total Members: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.06% below tier average
- - Member decline: -3.9% YoY
- - Indirect Auto Concentration (%): Bottom 1.1% in tier
- - Net Worth Ratio: Bottom 6.9% in tier
- - Loan Growth Rate: Bottom 8.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,071
-3.9% YoY-0.8% QoQ
|
+4.5K |
2,615
-1.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
Top 5.4% in tier |
| Assets |
$59.6M
+2.0% YoY-1.1% QoQ
|
+$29.5M |
$30.1M
+2.1% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
83% |
| Loans |
$29.1M
-16.4% YoY-4.4% QoQ
|
+$13.4M |
$15.8M
-1.3% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
81% |
| Deposits |
$54.3M
+1.4% YoY-1.3% QoQ
|
+$28.6M |
$25.7M
+1.4% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
84% |
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| ROA |
0.6%
+176.9% YoY-0.1% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
43% |
| NIM |
4.0%
+9.9% YoY-0.5% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
54% |
| Efficiency Ratio |
81.0%
-3.9% YoY+2.8% QoQ
|
-1.6% |
82.6%
-2.3% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
53% |
| Delinquency Rate |
1.1%
+70.8% YoY+55.7% QoQ
|
-0.4 |
1.6%
-3.1% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
64% |
| Loan To Share |
53.7%
-17.6% YoY-3.2% QoQ
|
-7.0% |
60.6%
-3.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
39% |
| AMR |
$11,800
-1.8% YoY-1.6% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
38% |
| CD Concentration |
4.0%
-28.3% YoY+5.0% QoQ
|
-20.5% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % |
58.5%
-17.2% YoY-12.1% QoQ
|
+44.7% | 13.8% | 10.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)