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
- MEM 53/100
- RANK 8.4%
- PHOTO 2.23%
- BOOK -0.46%
- CHARTER $18.8M
- NCUSIF 1,755
- CAMELS #4,227/4,374
- HEALTH Bitterroot Community
- NW 64394
Call Report peers
Summit Ridge in the assets neighbourhood
Summit Ridge's $18.8M assets sit next to Bitterroot Community ($18.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
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.
Peer-gap read for Summit Ridge
- Widest shortfall vs peers is Net Worth Ratio: -6.47 pp (8.39% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Summit Ridge's 5300 filing moved
Summit Ridge: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $18.8M (2025Q4) to $19.4M (2026Q1).
- Net-worth ratio shifted -0.23 pp (8.62% → 8.39%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 53.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for Summit Ridge, both outside Missouri so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($18.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (53/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Missouri credit unions compare overall before assuming this one is typical. Missouri state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Summit Ridge financially healthy?
Summit Ridge scores 53/100 (Fair) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,227 of 4,374; by total assets it ranks #3,185 of 4,374 nationally (same basis as /rankings/largest); and #60 of 89 within Missouri. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.39% net worth ratio and a 2.23% delinquency rate.
How does Summit Ridge compare to other credit unions?
Summit Ridge scores 53/100 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 8.39% 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.
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.