RAYTOWN-LEE'S SUMMIT COMMUNITY
Charter #62815 · RAYTOWN, MO · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.63% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 0.22% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.10% sits at the 84th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 25th percentile but its structural peers at the 59th — a 35-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | RAYTOWN-LEE'S SUMMIT COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $59.60M | 25th pct | 59th pct |
| Members | 7,039 | 80th pct | 72th pct |
| Net worth ratio | 8.63% | 8th pct | 10th pct |
| Return on average assets | 0.49% | 38th pct | 33th pct |
| Net interest margin | 3.94% | 63th pct | 64th pct |
| Cost of funds | 0.22% | 10th pct | 25th pct |
| Loan-to-share | 53.44% | 37th pct | 41th pct |
| Delinquency 60+ days | 1.10% | 75th pct | 84th pct |
| Net charge-off ratio | 0.37% | 62th pct | 62th pct |
| Loan growth YoY | -4.98% | 18th pct | 23th pct |
| Share growth YoY | -1.45% | 9th pct | 7th pct |
| Efficiency ratio | 85.51% | 67th pct | 72th pct |
structural peer set hash: 736dbf2b6a21a916906c9f6365ce3406… (reproducible)
Closest structural peers
This is the free public view
Claim RAYTOWN-LEE'S SUMMIT COMMUNITY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.