TellerScore

Summit Ridge Credit Union (NCUA charter #64394) is based in Lees Summit, Missouri. Its Q2 2026 call report shows $19.1M in total assets and $17.3M in member shares and deposits and 2 offices across 2 states.

Based on its Q2 2026 filing, Summit Ridge Credit Union scores 42/100, which we describe as below average. That is higher than only 4% of 2,479 credit unions with under $100 million in assets. Among 87 credit unions headquartered in Missouri, it ranks 81st. Its strongest component is funding & liquidity (100/100; 49% loans-to-deposits, 5% uninsured), and its lowest is earnings (11/100; -0.22%).

TellerScore · Q2 2026

Scorecard

Capital cushion34/100
Net worth ratio: 8.36%
Loan quality29/100
Loans 60+ days delinquent ÷ total loans: 2.13%
Earnings11/100
Return on assets (annualized): -0.22%
Funding & liquidity100/100
Loans ÷ shares: 49.0% · 5.3% uninsured
Problem-loan coverage77/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 11.34%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (40 → 42), mostly because the earnings component weakened by 16 points.

TellerScore
283746Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202428
Q3 202440
Q4 202440
Q1 202543
Q2 202540
Q3 202546
Q4 202544
Q1 202638
Q2 202642
Net worth ratio
7.00%7.81%8.62%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.68%
Q3 20247.57%
Q4 20247.68%
Q1 20258.05%
Q2 20258.22%
Q3 20258.53%
Q4 20258.62%
Q1 20268.39%
Q2 20268.36%
Delinquent loans (60+ days)
1.75%2.33%2.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.87%
Q3 20241.75%
Q4 20241.93%
Q1 20252.25%
Q2 20252.55%
Q3 20252.01%
Q4 20252.23%
Q1 20262.90%
Q2 20262.13%
Return on assets
-0.60%-0.17%0.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.60%
Q3 2024-0.55%
Q4 2024-0.41%
Q1 20250.26%
Q2 20250.17%
Q3 20250.12%
Q4 20250.04%
Q1 20260.20%
Q2 2026-0.22%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202642$19.1M8.36%2.13%-0.22%49.0%
Q1 202638$19.4M8.39%2.90%0.20%48.8%
Q4 202544$18.8M8.62%2.23%0.04%54.5%
Q3 202546$19.1M8.53%2.01%0.12%56.9%
Q2 202540$19.8M8.22%2.55%0.17%58.4%
Q1 202543$20.2M8.05%2.25%0.26%61.4%
Q4 202440$21.0M7.68%1.93%-0.41%61.6%
Q3 202440$21.3M7.57%1.75%-0.55%65.7%
Q2 202428$21.3M7.68%2.87%-0.60%67.9%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.36%
6th
Problem loans2.13%
19th
Net charge-offs1.18%
12th
Return on assets-0.22%
14th
Loans to deposits49.0%
66th
Uninsured deposits5.3%
20th
Loan-loss reserves0.00%
37th
Texas ratio11.3%
11th

Similar-size credit unions in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
St. Louis Policemen`s Credit UnionCredit union Saint Louis, MO69 out of 100, Moderate$20.1M18.7%2.17%vs
St. Louis Newspaper Carriers Credit UnionCredit union Fenton, MO53 out of 100, Below average$20.1M6.5%0.01%vs
Academic Employees Credit UnionCredit union Columbia, MO64 out of 100, Moderate$17.2M7.5%0.90%vs
Stationery Credit UnionCredit union Saint Joseph, MO72 out of 100, Strong$17.0M13.8%0.96%vs
Catholic Family Credit UnionCredit union Kansas City, MO45 out of 100, Below average$16.5M9.0%2.59%vs
Independence Teachers Credit UnionCredit union Independence, MO92 out of 100, Very strong$16.5M15.5%0.03%vs

Deposit insurance

Is my money safe at Summit Ridge Credit Union?

Yes. Summit Ridge Credit Union is a federally insured credit union (NCUA charter #64394). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 5.3% of shares and deposits ($919K) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 8.36%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Summit Ridge Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Summit Ridge Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64394
RSSD ID
118893
Primary regulator
State + NCUA
Established
1955
Headquarters
3485 Ne Ralph Powell Rd, Lees Summit, MO 64064
Employees
4

Quick answers

Summit Ridge Credit Union: common questions

Is Summit Ridge Credit Union NCUA insured?

Yes. Summit Ridge Credit Union is a federally insured credit union (NCUA charter #64394). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Summit Ridge Credit Union's TellerScore?

42 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Summit Ridge Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Lees Summit

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers Bank & TrustBank Great Bend, KS96 out of 100, Very strong$1.1B24.0%0.19%vs
Comanche County Federal Credit UnionCredit union Lawton, OK96 out of 100, Very strong$36.4M18.8%0.00%vs
The Bank of Grain ValleyBank Grain Valley, MO95 out of 100, Very strong$110.6M24.0%0.00%vs
K.U.M.C. Credit UnionCredit union Shawnee, KS95 out of 100, Very strong$31.4M13.8%0.04%vs
National Advisors Trust CompanyBank Leawood, KS94 out of 100, Very strong$21.6M83.7%0.00%vs
Reliance Credit UnionCredit union Kansas City, KS93 out of 100, Very strong$25.1M16.4%0.30%vs