SUMMIT RIDGE
Charter #64394 | MO
<100M
(2596 CUs)
Micro
($0-$500M)
60 <100M in 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
|
46th in tier |
| 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
|
47th in tier |
| 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
|
51st in tier |
| 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
|
49th in tier |
| 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
|
Bottom 20.2% in tier |
| 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
|
56th in tier |
| 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
|
63rd in tier |
| 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
|
Top 20.2% in tier |
| 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
|
43rd in tier |
| 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
|
60th in tier |
| 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
|
50th in tier |
| Indirect Auto % |
32.6%
-14.7% YoY-2.8% QoQ
|
+18.6% |
14.0%
-5.8% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (2 metrics)
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
565
Members Per Employee (MPE)
engagement
Value:
440.750
Peer Avg: 365.701
#565 of 2596
Top 21.7% in <100M tier
Top Weaknesses (10 metrics)
2501
Indirect Auto Concentration (%)
balance_sheet
Value:
32.61%
Peer Avg: 2.84%
#2501 of 2596
Bottom 3.7% in <100M tier
2467
Asset Growth Rate
growth
Value:
-10.34%
Peer Avg: 1.82%
#2467 of 2596
Bottom 5.0% in <100M tier
2464
Loan Growth Rate
growth
Value:
-21.59%
Peer Avg: 59.01%
#2464 of 2596
Bottom 5.1% in <100M tier
2429
AMR Growth Rate
growth
Value:
-11.42%
Peer Avg: 4.67%
#2429 of 2596
Bottom 6.5% in <100M tier
2420
Net Worth Ratio
risk
Value:
8.53%
Peer Avg: 16.43%
#2420 of 2596
Bottom 6.8% in <100M tier
2391
Deposit Growth Rate
growth
Value:
-9.41%
Peer Avg: 16.80%
#2391 of 2596
Bottom 7.9% in <100M tier
2306
Net Charge-Off Rate
risk
Value:
1.20%
Peer Avg: 0.57%
#2306 of 2596
Bottom 11.2% in <100M tier
2179
Share Certificate Concentration (%)
balance_sheet
Value:
30.77%
Peer Avg: 15.37%
#2179 of 2596
Bottom 16.1% in <100M tier
2073
Total Delinquency Rate (60+ days)
risk
Value:
2.01%
Peer Avg: 1.51%
#2073 of 2596
Bottom 20.2% in <100M tier
2072
Return on Assets (ROA)
profitability
Value:
0.11%
Peer Avg: 0.68%
#2072 of 2596
Bottom 20.2% in <100M tier