State credit union · LEES SUMMIT, Missouri · NCUA charter #64394
Summit Ridge
Health score 53/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 53
- Health / 100
- $18.8M
- Total assets
- 1,755
- Members
- 8.4%
- Net-worth ratio
Summit Ridge scores 53/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $18.8M; members 1,755; net-worth ratio 8.39%; health rank #4,227 of 4,374; healthier than 3rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,227 of 4,374 health · 2025Q4Summit Ridge · health 53/100 · $18.8M · 2025Q4
Call Report peers
Summit Ridge in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Summit Ridge vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Summit Ridge sits in 50-54 with 82 others.
53 3rd percentile higher than 3% 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
Peer-gap read for Summit Ridge
- Widest shortfall vs peers is Net Worth Ratio: -6.47 pp (8.39% vs 14.86%).
Missouri standing for Summit Ridge
- In Missouri, health place is #84 of 89 on the same NCUA-ratio sort used nationally.
- Missouri assets place: #60 of 89.
- Member book place in Missouri: #63 of 89.
- One place up in Missouri, ARSENAL (#83) scores 58/100, 5 points higher; one place down, Gateway Metro (#85) scores 49/100, 4 points lower.
How Summit Ridge's 5300 filing moved
Summit Ridge: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.3% from $18.8M (2025Q4) to $19.4M (2026Q1).
- Net-worth ratio shifted -0.23 pp (8.62% → 8.39%).
This credit union's 8.39% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 53/100 score is built
Summit Ridge gives up 47 points in total. Return on Assets costs the most, 14.6 of its 15; Loan-to-Share Ratio loses the least, 3.5.
- Net Worth Ratio 26.0 pts
- Delinquency Rate 11.0 pts
- Return on Assets 0.4 pts
- Member Growth 3.8 pts
- Loan-to-Share Ratio 11.8 pts
Summit Ridge health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.39% | -6.47 pp |
| Delinquency Rate | 2.23% | +1.09 pp |
| Return on Assets | -0.46% | -1.17 pp |
| Member Growth | -2.88% | - |
| Loan-to-Share Ratio | 54.45% | -5.35 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Summit Ridge
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $19.4M | - |
| 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
Branch Locations (2)
Summit Ridge operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Summit Ridge Credit Union (Main Office) | Lees Summit, MO |
| Systronincs Inc | Olathe, KS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
More federally-insured credit unions based in Missouri, ordered by peer group match and asset size.
Summit Ridge nationwide neighbourhoods
Using this data
- Summit Ridge ranks #4,227 of 4,374 nationally on financial health and #84 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- St. Louis Newspaper Carriers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with St. Louis Newspaper Carriers
Frequently Asked Questions
Is Summit Ridge financially healthy?
Summit Ridge has a financial health score of 53/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,227 of 4,374 nationally on health and #84 of 89 in Missouri. Its net worth ratio is 8.39% and its delinquency rate 2.23%.
How does Summit Ridge compare to other credit unions?
Summit Ridge scores 53/100, higher than 3% of the 4,374 scored credit unions. Its widest shortfall is net worth ratio (8.39% vs 14.86%).
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?
Summit Ridge is a state-chartered credit union; its shares are federally 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 8.39% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.