Summit Ridge Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.3 has resulted in Weak (2.5) profitability.
Other Rating Factors:
A current level of 14.8 percent of nonperforming loans to core capital combined with 22.0 percent from a year earlier contributes to the Fair asset quality (4.2). Good liquidity 5.1, driven by a liquidity ratio of 29.3 percent and a “hot money” ratio of 12.9 percent.
Asset Mix:
Consumer loans (53%), other (47%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
3485 NE Ralph Powell Road
Lee's Summit, MO 64064
Lee's Summit, MO 64064
Phone Number
(816) 272-6160
NCUA Charter Number
Website
Largest Competitors
Chesterfield, MO
Saint Louis, MO
Jefferson City, MO
Saint Charles, MO
Lee's Summit, MO