State credit union · LEES SUMMIT, Missouri · NCUA charter #64394
Summit Ridge
Health score 52/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 52
- Health / 100
- $18.8M
- Total assets
- 1,755
- Members
- 8.1%
- Net-worth ratio
Summit Ridge - Share Insurance Coverage
Charter #64394's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Summit Ridge - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)84
- Asset quality (delinquency)44
- Earnings (ROA)2
- Member growth25
- Liquidity (loan-to-share)77
Weighted composite: 52/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 8.10% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.10% | 30% |
| Delinquency Rate | 2.23% | 25% |
| Return on Assets | -0.46% | 15% |
| Member Growth | -2.88% | 15% |
| Loan-to-Share Ratio | 54.45% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $18.8M | 1,755 |
| 2024Q4 | $21.0M | 1,807 |
| 2023Q4 | $21.3M | 1,862 |
Credit Union Details
- Charter Number
- 64394
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Missouri
- City
- LEES SUMMIT
- Data Quarter
- 2025Q4
What This Data Says About Summit Ridge
Summit Ridge is a state credit union headquartered in LEES SUMMIT, Missouri, serving 1,755 members with $18.8M in total assets and $9.3M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 52/100 (Fair), anchored by a net worth ratio of 8.10% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #64394 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Deposits deployed into lending sit at a 54.45% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 2.23% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Return on assets stands at -0.46% on net income of $-86565 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 -2.88%. 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
More federally-insured credit unions based in Missouri, ordered by peer group match and asset size.
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 Summit Ridge financially healthy?
Summit Ridge scores 52/100 (Fair) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.10% net worth ratio and a 2.23% delinquency rate.
How does Summit Ridge compare to other credit unions?
Summit Ridge scores 52/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 Summit Ridge?
Membership eligibility for Summit Ridge depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Summit Ridge directly for current membership requirements and application steps.
Is my money safe at Summit Ridge?
Federal credit unions like Summit Ridge 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. Summit Ridge's net worth ratio of 8.10% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Summit Ridge offer compared to banks?
Credit unions like Summit Ridge 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 Summit Ridge 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.