State credit union · RAYTOWN, Missouri · NCUA charter #62815
Raytown-lee's Summit Community
Health score 62/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $59.6M
- Total assets
- 7,071
- Members
- 6.6%
- Net-worth ratio
Raytown-lee's Summit Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #62815. See our deposit-insurance coverage note.
Raytown-lee's Summit Community - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)65
- Asset quality (delinquency)76
- Earnings (ROA)70
- Member growth14
- Liquidity (loan-to-share)75
Weighted composite: 62/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
6.60% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.60% | 30% |
| Delinquency Rate | 1.14% | 25% |
| Return on Assets | 0.20% | 15% |
| Member Growth | -3.86% | 15% |
| Loan-to-Share Ratio | 53.66% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $59.6M | 7,071 |
| 2024Q4 | $58.5M | 7,355 |
| 2023Q4 | $61.9M | 7,713 |
Credit Union Details
- Charter Number
- 62815
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Missouri
- City
- RAYTOWN
- Data Quarter
- 2025Q4
What This Data Says About Raytown-lee's Summit Community
The five-factor composite scores Raytown-lee's Summit Community at 62/100 (Good), reflecting a net worth ratio of 6.60% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in RAYTOWN, Missouri, reports 7,071 members, $59.6M in total assets, and $29.1M in outstanding loans as of Q4 2025 under charter #62815 (peer group $50M–$100M, a cohort of 584 similarly-sized institutions).
1.14% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Deposit deployment is captured by the 53.66% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.20% on net income of $119K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.86%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Missouri
A look at other Missouri credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Raytown-lee's Summit Community financially healthy?
A 6.60% net worth ratio and a 1.14% delinquency rate feed into Raytown-lee's Summit Community's financial health score of 62/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Raytown-lee's Summit Community compare to other credit unions?
62/100 is Raytown-lee's Summit Community's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Raytown-lee's Summit Community?
Membership eligibility for Raytown-lee's Summit Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Raytown-lee's Summit Community directly for current membership requirements and application steps.
Is my money safe at Raytown-lee's Summit Community?
Federal credit unions like Raytown-lee's Summit Community 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. Raytown-lee's Summit Community's net worth ratio of 6.60% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Raytown-lee's Summit Community offer compared to banks?
Credit unions like Raytown-lee's Summit Community 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 Raytown-lee's Summit Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.