TellerScore

R G Federal Credit Union (NCUA charter #11962) is based in Raymore, Missouri. Its Q2 2026 call report shows $153.6M in total assets and $128.1M in member shares and deposits and 4 offices.

R G Federal Credit Union has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 21% of its 1,341 credit unions with $100 million – $1 billion. Among 87 credit unions headquartered in Missouri, it ranks 61st. Problem-loan coverage contributes the most (87/100, 6.5%); earnings contributes the least (27/100, 0.18%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Net worth ratio: 9.96%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.58%
Earnings27/100
Return on assets (annualized): 0.18%
Funding & liquidity68/100
Loans ÷ shares: 92.5% · 12.3% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.54%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 8 points (68 → 60), mostly because the earnings component weakened by 33 points.

TellerScore
606569Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202466
Q4 202463
Q1 202569
Q2 202568
Q3 202568
Q4 202563
Q1 202660
Q2 202660
Net worth ratio
7.00%8.64%10.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.67%
Q3 20249.81%
Q4 202410.01%
Q1 20259.98%
Q2 202510.29%
Q3 202510.15%
Q4 202510.08%
Q1 202610.09%
Q2 20269.96%
Delinquent loans (60+ days)
0.39%0.59%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.46%
Q3 20240.39%
Q4 20240.79%
Q1 20250.40%
Q2 20250.65%
Q3 20250.48%
Q4 20250.78%
Q1 20260.64%
Q2 20260.58%
Return on assets
0.14%0.57%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.41%
Q3 20240.64%
Q4 20240.65%
Q1 20250.99%
Q2 20251.00%
Q3 20250.93%
Q4 20250.72%
Q1 20260.14%
Q2 20260.18%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$153.6M9.96%0.58%0.18%92.5%
Q1 202660$146.7M10.09%0.64%0.14%89.2%
Q4 202563$143.3M10.08%0.78%0.72%88.0%
Q3 202568$141.8M10.15%0.48%0.93%83.9%
Q2 202568$143.1M10.29%0.65%1.00%81.6%
Q1 202569$138.4M9.98%0.40%0.99%81.9%
Q4 202463$134.5M10.01%0.79%0.65%84.4%
Q3 202466$135.3M9.81%0.39%0.64%83.1%
Q2 202463$135.0M9.67%0.46%0.41%81.2%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.96%
28th
Problem loans0.58%
58th
Net charge-offs0.41%
44th
Return on assets0.18%
10th
Loans to deposits92.5%
12th
Uninsured deposits12.3%
10th
Loan-loss reserves0.00%
50th
Texas ratio6.5%
28th

Similar-size credit unions in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Ozark Federal Credit UnionCredit union Poplar Bluff, MO81 out of 100, Strong$142.5M11.6%0.18%vs
Central Missouri Community Credit UnionCredit union Warrensburg, MO60 out of 100, Moderate$140.2M8.2%0.52%vs
Riverways Federal Credit UnionCredit union Rolla, MO57 out of 100, Moderate$136.7M8.4%1.14%vs
Century Credit UnionCredit union Saint Louis, MO87 out of 100, Very strong$182.0M17.6%0.37%vs
First Missouri Credit UnionCredit union Saint Louis, MO58 out of 100, Moderate$125.1M9.4%0.77%vs
Missouri Central Credit UnionCredit union Lees Summit, MO59 out of 100, Moderate$123.3M9.3%0.85%vs

Deposit insurance

Is my money safe at R G Federal Credit Union?

Yes. R G Federal Credit Union is a federally insured credit union (NCUA charter #11962). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 12.3% of shares and deposits ($15.7M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.96%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

R G Federal Credit Union lists 4 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, R G Federal Credit Union reported 59 home-loan applications under HMDA (LEI 254900RWHE2VKSDDXT72): 51 originated ($6,855,000 total), 8 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
R G Federal Credit Union
Type
Federal credit union
NCUA charter #
11962
RSSD ID
255882
Primary regulator
NCUA
Established
1957
Headquarters
421 Remington Plaza Ct, Raymore, MO 64083
Employees
40

Quick answers

R G Federal Credit Union: common questions

Is R G Federal Credit Union NCUA insured?

Yes. R G Federal Credit Union is a federally insured credit union (NCUA charter #11962). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is R G Federal Credit Union's TellerScore?

60 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does R G Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Raymore

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers Bank & TrustBank Great Bend, KS96 out of 100, Very strong$1.1B24.0%0.19%vs
Comanche County Federal Credit UnionCredit union Lawton, OK96 out of 100, Very strong$36.4M18.8%0.00%vs
The Bank of Grain ValleyBank Grain Valley, MO95 out of 100, Very strong$110.6M24.0%0.00%vs
K.U.M.C. Credit UnionCredit union Shawnee, KS95 out of 100, Very strong$31.4M13.8%0.04%vs
National Advisors Trust CompanyBank Leawood, KS94 out of 100, Very strong$21.6M83.7%0.00%vs
Sm Federal Credit UnionCredit union Mission, KS89 out of 100, Very strong$77.2M20.0%0.24%vs