BlastPoint's Credit Union Scorecard

RAYTOWN-LEE'S SUMMIT COMMUNITY

Charter #62815 · MO

<100M

2508 CUs in <100M nationally 59 in MO

RAYTOWN-LEE'S SUMMIT COMMUNITY has 2 strengths but faces 3 concerns

National Analysis

How does the industry compare?

MO Analysis

How does MO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.35% above tier average
+ Total Members: Top 5.1% in tier

Key Concerns

Areas that may need attention

- Member decline: -2.8% YoY
- Indirect Auto Concentration (%): Bottom 0.8% in tier
- Net Worth Ratio: Bottom 8.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	7,039 -2.8% YoY-0.5% QoQ	+4.4K	2,676 +1.6% YoY	15,395 -0.3% YoY	33,913 +5.7% YoY	Top 5.1% in tier
Assets	$59.6M -0.1% YoY-0.0% QoQ	+$29.4M	$30.2M +1.3% YoY	$217.9M +8.5% YoY	$578.3M +9.0% YoY	83%
Loans	$29.0M -12.4% YoY-0.6% QoQ	+$13.7M	$15.3M -2.0% YoY	$149.6M +7.9% YoY	$402.4M +8.7% YoY	82%
Deposits	$54.2M -0.7% YoY-0.2% QoQ	+$28.4M	$25.8M +0.7% YoY	$190.9M +9.2% YoY	$494.3M +9.1% YoY	84%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% +32.5% YoY-11.8% QoQ	+0.3%	0.1% -77.6% YoY	-0.4% -263.3% YoY	0.4% -39.2% YoY	44%
NIM	3.9% -0.5% YoY-1.7% QoQ	-0.1%	4.0% +4.0% YoY	3.9% +2.8% YoY	3.8% +4.1% YoY	55%
Efficiency Ratio	85.5% +9.2% YoY+5.6% QoQ	-5.1%	90.6% +6.5% YoY	82.5% -4.9% YoY	84.6% +2.8% YoY	59%
Delinquency Rate	1.1% +23.9% YoY-3.5% QoQ	-0.4	1.5% +3.8% YoY	1.1% +7.9% YoY	1.2% +3.4% YoY	66%
Loan To Share	53.4% -11.8% YoY-0.4% QoQ	-5.1%	58.5% -3.0% YoY	68.7% -4.0% YoY	65.6% -1.4% YoY	42%
AMR	$11,816 -2.4% YoY+0.1% QoQ	$-3K	$14,884 -1.7% YoY	$17,151 +1.8% YoY	$19,920 +1.6% YoY	38%
CD Concentration	4.1% -22.2% YoY+2.8% QoQ	-20.2%	24.3%	18.1%	19.8%	50%
Indirect Auto %	62.0% -13.5% YoY+5.9% QoQ	+48.2%	13.8%	9.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (5 metrics)

129

Total Members

engagement

Value: 7,039

Peer Median: 1,918

#129 of 2508 Top 5.1% in <100M tier

396

Total Deposits

balance_sheet

Value: $54.21M

Peer Median: $18.77M

#396 of 2508 Top 15.7% in <100M tier

436

Total Assets

balance_sheet

Value: $59.60M

Peer Median: $21.86M

#436 of 2508 Top 17.3% in <100M tier

446

Total Loans

balance_sheet

Value: $28.97M

Peer Median: $9.48M

#446 of 2508 Top 17.7% in <100M tier

571

Fee Income Per Member

profitability

Value: $115.03

Peer Median: $60.42

#571 of 2508 Top 22.7% in <100M tier

Top Weaknesses (3 metrics)

2490

Indirect Auto Concentration (%)

balance_sheet

Value: 61.97%

Peer Median: 0.00%

#2490 of 2508 Bottom 0.8% in <100M tier

2303

Net Worth Ratio

risk

Value: 8.63%

Peer Median: 14.28%

#2303 of 2508 Bottom 8.2% in <100M tier

2094

Loan Growth Rate

growth

Value: -12.43%

Peer Median: -2.36%

#2094 of 2508 Bottom 16.5% in <100M tier