Credit Union Safety Analysis
Is Raytown-Lee's Summit Community Credit Union Safe? Raytown, Missouri
Based on its Q2 2026 NCUA 5300 call report, Raytown-Lee's Summit Community Credit Union has a net worth ratio of 8.68%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.83%, 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, Raytown-Lee's Summit Community Credit Union's net worth ratio is 8.68%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.68%
- Delinquency ratio (60+ days) (Q2 2026): 0.83%
- Return on assets (Q2 2026): 0.52%
- Loan-to-share ratio (Q2 2026): 53.32%
Raytown-Lee's Summit Community Credit Union (NCUA charter 62815, established 1958) reported $60.1M in assets and 6,992 members for Q2 2026 from Raytown, Missouri. It ranks 40 of 85 credit unions in Missouri by total assets. Total assets grew 1.8% from $59.0M on June 30, 2025. It has 200 fewer members than on June 30, 2025 (-2.8%). Its net worth ratio was up 0.35 percentage points from 8.33% on June 30, 2025. New vehicle loans are its largest loan category, $12.3M of $29.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.83% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 8.63% for Q1 2026; 8.33% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.10% for Q1 2026; 0.94% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.49% for Q1 2026; 0.52% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 53.44% for Q1 2026; 59.40% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $12.3M
- Used vehicle loans: $9.1M
- 1- to 4-family residential and other consumer real estate loans: $5.1M
- Other secured non-real estate loans and lines of credit: $1.2M
- Unsecured credit card loans: $748K
- Other unsecured loans and lines of credit: $628K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $60.1M | 8.68% | 0.83% | 0.52% | 53.32% |
| March 31, 2026 | $59.6M | 8.63% | 1.10% | 0.49% | 53.44% |
| December 31, 2025 | $59.6M | 8.50% | 1.14% | 0.57% | 53.66% |
| September 30, 2025 | $60.3M | 8.36% | 0.73% | 0.79% | 55.42% |
| June 30, 2025 | $59.0M | 8.33% | 0.94% | 0.52% | 59.40% |
| March 31, 2025 | $59.6M | 8.12% | 0.89% | 0.37% | 60.59% |
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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.
Raytown-Lee's Summit Community Credit Union profile
Regulator records: NCUA credit union profile (charter 62815) · FFIEC NIC profile (RSSD 1004498)
Frequently asked questions
Is Raytown-Lee's Summit Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Raytown-Lee's Summit Community Credit Union's net worth ratio is 8.68%, above the 7% NCUA threshold for well capitalized.
Is Raytown-Lee's Summit Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Raytown-Lee's Summit Community Credit Union is a federally insured credit union (NCUA charter 62815): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Raytown-Lee's Summit Community Credit Union's key safety ratios?
For Q2 2026, Raytown-Lee's Summit Community Credit Union reports net worth 8.68%, delinquency 0.83%, ROA 0.52%, loan-to-share 53.32%.
What happens to my money if Raytown-Lee's Summit Community Credit Union fails?
For Q2 2026, Raytown-Lee's Summit Community Credit Union held $54.6M in shares and deposits for 6,992 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.