Credit Union Safety Analysis
Is R-G Federal Credit Union Safe? Belton, Missouri
Based on its Q2 2026 NCUA 5300 call report, R-G Federal Credit Union has a net worth ratio of 9.96%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.58%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, R-G Federal Credit Union's net worth ratio is 9.96%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.96%
- Delinquency ratio (60+ days) (Q2 2026): 0.58%
- Return on assets (Q2 2026): 0.21%
- Loan-to-share ratio (Q2 2026): 92.47%
R-G Federal Credit Union (NCUA charter 11962, established 1957) reported $153.6M in assets and 8,197 members for Q2 2026 from Belton, Missouri. It ranks 22 of 85 credit unions in Missouri by total assets. Total assets grew 7.3% from $143.1M on June 30, 2025. It has 351 more members than on June 30, 2025 (+4.5%). Its net worth ratio was down 0.33 percentage points from 10.29% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $55.2M of $118.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.58% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 10.09% for Q1 2026; 10.29% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.64% for Q1 2026; 0.65% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.14% for Q1 2026; 1.04% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 89.24% for Q1 2026; 81.59% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $55.2M
- Used vehicle loans: $34.2M
- New vehicle loans: $18.0M
- Other secured non-real estate loans and lines of credit: $4.5M
- Other unsecured loans and lines of credit: $4.1M
- Unsecured credit card loans: $2.4M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $153.6M | 9.96% | 0.58% | 0.21% | 92.47% |
| March 31, 2026 | $146.7M | 10.09% | 0.64% | 0.14% | 89.24% |
| December 31, 2025 | $143.3M | 10.08% | 0.78% | 0.14% | 87.97% |
| September 30, 2025 | $141.8M | 10.15% | 0.48% | 0.75% | 83.89% |
| June 30, 2025 | $143.1M | 10.29% | 0.65% | 1.04% | 81.59% |
| March 31, 2025 | $138.4M | 9.98% | 0.40% | 0.99% | 81.85% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
R-G Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 11962) · FFIEC NIC profile (RSSD 255882)
Frequently asked questions
Is R-G Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, R-G Federal Credit Union's net worth ratio is 9.96%, above the 7% NCUA threshold for well capitalized.
Is R-G Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. R-G Federal Credit Union is a federally insured credit union (NCUA charter 11962): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are R-G Federal Credit Union's key safety ratios?
For Q2 2026, R-G Federal Credit Union reports net worth 9.96%, delinquency 0.58%, ROA 0.21%, loan-to-share 92.47%.
What happens to my money if R-G Federal Credit Union fails?
For Q2 2026, R-G Federal Credit Union held $128.1M in shares and deposits for 8,197 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.