BlastPoint's Credit Union Scorecard
SUMMIT RIDGE
Charter #64394 · MO
SUMMIT RIDGE has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.06% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 1.40% above tier average
- - Member decline: -3.3% YoY
- - Indirect Auto Concentration (%): Bottom 3.7% in tier
- - Loan Growth Rate: Bottom 4.7% in tier
- - Net Worth Ratio: Bottom 6.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,734
-3.3% YoY-1.2% QoQ
|
-942 |
2,676
+1.6% YoY
|
15,395
-0.3% YoY
|
33,913
+5.7% YoY
|
46% |
| Assets |
$19.4M
-3.8% YoY+3.3% QoQ
|
$-10.8M |
$30.2M
+1.3% YoY
|
$217.9M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
47% |
| Loans |
$8.6M
-23.2% YoY-7.2% QoQ
|
$-6.7M |
$15.3M
-2.0% YoY
|
$149.6M
+7.9% YoY
|
$402.4M
+8.7% YoY
|
47% |
| Deposits |
$17.6M
-3.4% YoY+3.4% QoQ
|
$-8.1M |
$25.8M
+0.7% YoY
|
$190.9M
+9.2% YoY
|
$494.3M
+9.1% YoY
|
48% |
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| ROA |
0.2%
-19.1% YoY
|
+0.1% |
0.1%
-77.6% YoY
|
-0.4%
-263.3% YoY
|
0.4%
-39.2% YoY
|
30% |
| NIM |
3.9%
+5.5% YoY-8.0% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.9%
+2.8% YoY
|
3.8%
+4.1% YoY
|
52% |
| Efficiency Ratio |
86.8%
+1.8% YoY+3.0% QoQ
|
-3.8% |
90.6%
+6.5% YoY
|
82.5%
-4.9% YoY
|
84.6%
+2.8% YoY
|
62% |
| Delinquency Rate |
2.9%
+29.0% YoY+30.0% QoQ
|
+1.4 |
1.5%
+3.8% YoY
|
1.1%
+7.9% YoY
|
1.2%
+3.4% YoY
|
Bottom 12.0% in tier |
| Loan To Share |
48.8%
-20.5% YoY-10.3% QoQ
|
-9.7% |
58.5%
-3.0% YoY
|
68.7%
-4.0% YoY
|
65.6%
-1.4% YoY
|
34% |
| AMR |
$15,141
-7.9% YoY+0.9% QoQ
|
+$257 |
$14,884
-1.7% YoY
|
$17,151
+1.8% YoY
|
$19,920
+1.6% YoY
|
56% |
| CD Concentration |
30.9%
-4.8% YoY-2.9% QoQ
|
+6.6% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % |
30.2%
-16.8% YoY-5.3% QoQ
|
+16.4% | 13.8% | 9.8% | 7.7% | 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)