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 0.25% above tier average
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.58% below tier average
- - Efficiency ratio 1.71% above tier (higher cost structure)
- - Delinquency rate 0.68% above tier average
- - Member decline: -2.9% YoY
- - Indirect Auto Concentration (%): Bottom 3.7% in tier
- - Asset Growth Rate: Bottom 4.1% in tier
- - AMR Growth Rate: Bottom 4.4% in tier
- - Loan Growth Rate: Bottom 4.9% in tier
- - Deposit Growth Rate: Bottom 6.0% in tier
- - Net Worth Ratio: Bottom 7.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,755
-2.9% YoY-0.5% QoQ
|
-860 |
2,615
-1.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
46% |
| Assets |
$18.8M
-10.5% YoY-1.5% QoQ
|
$-11.3M |
$30.1M
+2.1% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
46% |
| Loans |
$9.3M
-21.1% YoY-5.8% QoQ
|
$-6.5M |
$15.8M
-1.3% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
49% |
| Deposits |
$17.1M
-10.8% YoY-1.6% QoQ
|
$-8.6M |
$25.7M
+1.4% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
48% |
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| ROA |
0.0%
-110.0% YoY-64.3% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
18% |
| NIM |
4.2%
+27.3% YoY+3.7% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
63% |
| Efficiency Ratio |
84.3%
-9.5% YoY+0.8% QoQ
|
+1.7% |
82.6%
-2.3% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
62% |
| Delinquency Rate |
2.2%
+15.6% YoY+11.2% QoQ
|
+0.7 |
1.6%
-3.1% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
80% |
| Loan To Share |
54.5%
-11.6% YoY-4.3% QoQ
|
-6.2% |
60.6%
-3.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
40% |
| AMR |
$15,007
-12.2% YoY-2.7% QoQ
|
+$224 |
$14,783
-1.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
56% |
| CD Concentration |
31.8%
-11.4% YoY+3.5% QoQ
|
+7.4% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % |
31.9%
-12.8% YoY-2.1% QoQ
|
+18.1% | 13.8% | 10.0% | 7.8% | 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)