BlastPoint's Credit Union Scorecard
SUMMIT RIDGE
Charter #64394 · MO
SUMMIT RIDGE has 2 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.12% above tier average
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.57% below tier average
- - Efficiency ratio 2.17% above tier (higher cost structure)
- - Delinquency rate 0.50% above tier average
- - Member decline: -3.2% YoY
- - Indirect Auto Concentration (%): Bottom 3.7% in tier
- - Asset Growth Rate: Bottom 5.0% in tier
- - Loan Growth Rate: Bottom 5.1% in tier
- - AMR Growth Rate: Bottom 6.5% in tier
- - Net Worth Ratio: Bottom 6.8% in tier
- - Deposit Growth Rate: Bottom 7.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,763
-3.2% YoY-1.3% QoQ
|
-862 |
2,625
-2.2% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
46% |
| Assets |
$19.1M
-10.3% YoY-3.6% QoQ
|
$-10.8M |
$29.9M
+1.1% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
47% |
| Loans |
$9.9M
-21.6% YoY-6.0% QoQ
|
$-5.9M |
$15.8M
-2.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
51% |
| Deposits |
$17.3M
-9.4% YoY-3.5% QoQ
|
$-8.1M |
$25.5M
+0.4% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
49% |
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| ROA |
0.1%
-120.9% YoY-32.6% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
20% |
| NIM |
4.1%
+26.5% YoY+5.7% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
56% |
| Efficiency Ratio |
83.6%
-12.6% YoY+0.1% QoQ
|
+2.2% |
81.4%
-2.4% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
63% |
| Delinquency Rate |
2.0%
+14.8% YoY-21.4% QoQ
|
+0.5 |
1.5%
-2.0% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
80% |
| Loan To Share |
56.9%
-13.5% YoY-2.7% QoQ
|
-4.4% |
61.2%
-3.0% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
43% |
| AMR |
$15,418
-11.4% YoY-3.1% QoQ
|
+$791 |
$14,627
-2.7% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
60% |
| CD Concentration |
30.8%
-16.4% YoY-5.3% QoQ
|
+6.4% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
32.6%
-14.7% YoY-2.8% QoQ
|
+18.6% |
14.0%
-5.7% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)