Summit Ridge

LEES SUMMIT, MO · 2 · Charter #64394 · www.mysrcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$18.8M
60th percentile
Members
1,755
59th percentile
Total loans
$9.3M
63th percentile
Total shares
$17.1M
63th percentile

Profitability

Return on assets
0.80%
50th percentile
Net interest margin
4.24%
61th percentile
Efficiency ratio
66.70%
50th percentile
Non-interest income ratio
13.17%
63th percentile

Capital & Risk

Net worth ratio
8.62%
8th percentile
Delinquency rate
2.23%
22th percentile
Net charge-off rate
1.31%
12th percentile
Loan-to-share
54.45%
42th percentile

Growth

Member growth YoY
-2.88%
34th percentile
Asset growth YoY
-10.47%
5th percentile
Loan growth YoY
-21.14%
5th percentile
Share growth YoY
-8.39%
11th percentile

Operations

Members / branch
1,755
72th percentile
Assets / member
$10,717
62th percentile
Field of membership penetration
50.00%
66th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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