BlastPoint's Credit Union Scorecard
RAYTOWN-LEE'S SUMMIT COMMUNITY
Charter #62815 · MO
RAYTOWN-LEE'S SUMMIT COMMUNITY has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.07% above tier average
- + Total Members: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.99% below tier average
- - Member decline: -2.8% YoY
- - Indirect Auto Concentration (%): Bottom 0.8% in tier
- - Net Worth Ratio: Bottom 7.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 58 that size in Missouri.
- Shares and deposits +1.2% year over year ($54.6M in shares and deposits).
- Membership: 6,992 members, -2.8% vs a year ago.
- Delinquency rate 0.83%.
- Return on assets 0.50%.
- Efficiency ratio 85.47% vs a 88.77% peer average.
- Loan-to-share ratio 53.32% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,992
-2.8% YoY-0.7% QoQ
|
+4.4K |
2,585
-1.7% YoY
|
15,766
-0.3% YoY
|
34,678
+6.6% YoY
|
Top 5.1% in tier |
| Assets |
$60.1M
+1.8% YoY+0.8% QoQ
|
+$29.8M |
$30.3M
+1.5% YoY
|
$225.8M
+8.3% YoY
|
$593.1M
+10.2% YoY
|
83% |
| Loans |
$29.1M
-9.1% YoY+0.5% QoQ
|
+$13.6M |
$15.5M
-1.7% YoY
|
$157.5M
+9.5% YoY
|
$418.6M
+10.1% YoY
|
82% |
| Deposits |
$54.6M
+1.2% YoY+0.7% QoQ
|
+$28.8M |
$25.8M
+1.1% YoY
|
$197.6M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
84% |
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| ROA |
0.5%
+13.5% YoY+2.3% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
1.4%
+222.5% YoY
|
1.2%
+121.4% YoY
|
31% |
| NIM |
4.0%
-0.8% YoY+0.7% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.8%
+0.7% YoY
|
3.8%
+2.3% YoY
|
54% |
| Efficiency Ratio |
85.5%
+8.0% YoY-0.0% QoQ
|
-3.3% |
88.8%
-6.9% YoY
|
83.2%
+2.3% YoY
|
83.0%
-5.3% YoY
|
62% |
| Delinquency Rate |
0.8%
-12.2% YoY-24.8% QoQ
|
-0.7 |
1.5%
+2.1% YoY
|
1.1%
-8.7% YoY
|
1.3%
+2.6% YoY
|
55% |
| Loan To Share |
53.3%
-10.2% YoY-0.2% QoQ
|
-5.6% |
58.9%
-3.1% YoY
|
69.6%
-2.9% YoY
|
66.4%
-1.4% YoY
|
42% |
| AMR |
$11,968
+0.2% YoY+1.3% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$17,444
+4.9% YoY
|
$20,028
-0.9% YoY
|
39% |
| CD Concentration |
4.1%
+5.8% YoY+2.0% QoQ
|
-20.4% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % |
58.6%
-15.7% YoY-5.5% QoQ
|
+44.9% | 13.6% | 9.9% | 7.7% | 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)