Federal credit union · RAYMORE, Missouri · NCUA charter #11962
R G
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $143.3M
- Total assets
- 7,997
- Members
- 10.1%
- Net-worth ratio
R G scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $143.3M; members 7,997; net-worth ratio 10.09%; health rank #541 of 4,374; healthier than 87th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#541 of 4,374 health · 2025Q4R G · health 94/100 · $143.3M · 2025Q4
- RANK 94/100
- PHOTO 10.1%
- BOOK 0.78%
- CHARTER 0.61%
- NCUSIF $143.3M
- CAMELS 7,997
- HEALTH #541/4,374
- NW First Priority
- DELQ 11962
Call Report peers
R G in the assets neighbourhood
R G's $143.3M assets sit next to First Priority ($143.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
R G vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
R G - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #11962, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for R G
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +15.77 pp (87.97% vs 72.20%).
- Largest lag: Net Worth Ratio at 10.09% vs peer 12.11% (-2.02 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Missouri standing for R G
- Health composite ranks #18 of 89 among scored Missouri credit unions.
- Assets rank #23 of 89 inside Missouri ($143.3M reported).
- Membership ranks #31 of 89 among Missouri CUs with a reported count (7,997 members).
In-state ordinals use the live credit_unions table for MO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How R G's 5300 filing moved
R G: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.4% from $143.3M (2025Q4) to $146.7M (2026Q1).
- Net-worth ratio shifted +0.01 pp (10.08% → 10.09%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.09%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.2 pts
- Return on Assets 15.0 pts
- Member Growth 11.9 pts
- Loan-to-Share Ratio 14.9 pts
Call Report ratios for R G
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.09% | -2.02 pp |
| Delinquency Rate | 0.78% | -0.12 pp |
| Return on Assets | 0.61% | -0.02 pp |
| Member Growth | 2.39% | - |
| Loan-to-Share Ratio | 87.97% | +15.77 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $146.7M | - |
| 2025Q4 | $143.3M | 7,997 |
| 2024Q4 | $134.5M | 7,810 |
| 2023Q4 | $136.0M | 7,835 |
Credit Union Details
- Charter Number
- 11962
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Missouri
- City
- RAYMORE
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, R G runs 4 offices in 4 different cities.
| Office | City |
|---|---|
| RAYMORE OPERATIONS CENTER (Main Office) | RAYMORE, MO |
| BELTON BRANCH OFFICE | BELTON, MO |
| KNOB NOSTER BRANCH | KNOB NOSTER, MO |
| WHITEMAN AFB | Whiteman AFB, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
Other federally-insured credit unions in Missouri, closest first by peer group and asset size.
Cross-state Call Report peers for R G
R G's nationwide photo peers by assets and by health score, excluding Missouri charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($143.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- R G ranks #541 of 4,374 nationally on financial health and #18 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- OZARK is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with OZARK
- Rates and health both vary by institution, not just by state -- see how Missouri credit unions compare overall before assuming this one is typical. Missouri state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is R G financially healthy?
Yes/no aside, the number is 94/100 (Excellent) - R G's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #541 of 4,374; by total assets it ranks #1,525 of 4,374 nationally (same basis as /rankings/largest); and #23 of 89 within Missouri. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.09% net worth ratio and 0.78% delinquency rate are the key drivers.
How does R G compare to other credit unions?
PlainCU's health composite puts R G at 94/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join R G?
R G operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact R G directly for the exact boundaries and application steps.
Is my money safe at R G?
Federal credit unions like R G are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. R G's net worth ratio of 10.09% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does R G offer compared to banks?
Credit unions like R G are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact R G directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.