Credit union · NCUA insured
Summit Ridge Credit Union
A $19.4M credit union headquartered in Lee's Summit, MO, with 1,734 members and 1 branch in Missouri. Best rates: CDs 2.99% and savings 0.13% APY.
Summit Ridge Credit Union Carrot Score
67
Carrot Score
Higher than 18% of U.S. banks and credit unions
#60 of 79 in Kansas City, MO-KS metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Summit Ridge Credit Union
Chartered in 1955 as District 4 Highway Credit Union to serve Missouri transportation and highway patrol personnel, Summit Ridge Credit Union is based in Lee’s Summit, Missouri.
The credit union transitioned to a Jackson County community charter in March 2011 and adopted the Summit Ridge Credit Union name in April 2011.
- Headquarters
- 3485 NE Ralph Powell Rd, Lee's Summit, MO 64064
- NCUA charter
- 64394
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live or work in Jackson County, Missouri are eligible for membership.
Family and household
- Immediate family members of persons who live or work in Jackson County, Missouri are eligible for membership.
Cost to join
- An initial share deposit of $5.00 is required to establish and maintain membership/ownership in the credit union.
Branches
1 branch in Missouri
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Missouri
1 branch
- Summit Ridge Credit UnionMain office3485 NE Ralph Powell Rd, Lee's Summit, MO 64064Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.36% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.13% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.23% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $49 | $59 | — |
- CapitalNet worth ratio8.36%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.13%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.23%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$49Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Summit Ridge Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.