Compared with Missouri
7 of 18
compared fees are above the median.
5 below, 6 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
39th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Missouri median
of 18 compared; 5 below, 6 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Summit Ridge Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 2,932 credit unions with under $300M in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the Missouri median | Published fees above the Missouri median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Summit Ridge Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 5.8% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (39th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $18K in Q2 2026, 5.9% above the same quarter a year earlier ($17K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
7 of 18 compared published fees sit above the Missouri median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Missouri medians for fees published by banks and credit unions.
NSF / Returned Item
Non-Network ATM
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Missouri, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income was about level from Q3 2025 to Q2 2026, at $18K. Its share of revenue, 5.8%, is below the 7.2% median for credit unions with under $300M in assets.
$18K
Summit Ridge Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Summit Ridge Federal Credit Union · $19M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Summit Ridge Federal Credit Union(this institution) | Lees Summit, MO | $19M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Arh Federal Credit Union | Middlesboro, KY | $20M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bitterroot Community Federal Credit Union | Darby, MT | $19M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Combined Employees Federal Credit Union | Warner Robins, GA | $18M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Corner Stone Federal Credit Union | lancaster, TX | $20M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Coteau Valley Federal Credit Union | Sisseton, SD | $19M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Dn Community Federal Credit Union | Canton, OH | $20M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Eastern Panhandle Federal Credit Union | Martinsburg, WV | $19M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Electric Cooperatives Federal Credit Union | Little Rock, AR | $19M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Frankfort Community Federal Credit Union | Frankfort, MI | $20M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Genuine Parts Federal Credit Union | Norcross, GA | $19M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Germania Federal Credit Union | Brenham, TX | $19M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Hamilton Horizons Federal Credit Union | Hamilton, NJ | $20M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Holy Family Memorial Federal Credit Union | Manitowoc, WI | $20M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Hutchinson Government Employees Federal Credit Union | Hutchinson, KS | $20M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Lakota Federal Credit Union | Kyle, SD | $20M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Linkage Federal Credit Union | Waco, TX | $18M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Local 41 I.B.E.W. Federal Credit Union | Orchard Park, NY | $19M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Newrizons Federal Credit Union | Hoquiam, WA | $19M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Santo Christo Federal Credit Union | Fall River, MA | $19M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| South Coast Ilwu Federal Credit Union | North Bend, OR | $18M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| St. Louis Policemen`S Federal Credit Union | saint louis, MO | $20M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Stanwood Area Federal Credit Union | New Stanton, PA | $19M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Temple-Inland Federal Credit Union | Diboll, TX | $20M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Family First Federal Credit Union | Great Falls, MT | $19M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Txdot Federal Credit Union | Abilene, TX | $18M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 8 publish this fee(out-of-network atm)
17 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $0, against a peer median of $1.50 among 8 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Against this institution's out-of-network atm fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Summit Ridge Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $18K | +$3K | +20.0% |
| Q1 2026 | $15K | $0 | 0.0% |
| Q4 2025 | $15K | −$3K | −16.7% |
| Q3 2025 | $18K | +$1K | +5.9% |
| Q2 2025 | $17K | +$1K | +6.3% |
| Q1 2025 | $16K | +$1K | +6.7% |
| Q4 2024 | $15K | −$2K | −11.8% |
| Q3 2024 | $17K | +$6K | +54.5% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Summit Ridge Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Summit Ridge Federal Credit Union by share.
Amounts from Summit Ridge Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closed within 90 days of opening | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactivate Account (per month after 6 mos inactive) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Account (1 year inactive bal under $1,000 per qrtr) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Research/Account Reconciliation (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Mailed Paper Statement | $3Inside the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
| Excessive transfers/withdrawals above Reg. D limit | $25Above the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
| Returned Statement (Wrong Address) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Returned NSF Item | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Transfer (From credit card account) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Overdraft Transfer (From share account) | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM Transactions/Inquiries at other ATMs | No chargeBelow the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM Debit Card & Pin (Replacement) | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Stop Payment | $29Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Collection Item | $35Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay (Free with E-Statements) | $6Inside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Tax Levy/Garnishment | $50Inside the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
| Verification of Deposits/Transactions | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Visa Gift Card | No chargeBelow the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Duplicate Lien Release | $2Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Summit Ridge Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 2 states (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Lees Summit, MO | 1 |
| Olathe, KS | 1 |
Largest competitors nearby
Local market: Jackson county, MO, around its headquarters.
| 58 in its local market | Deposit share |
|---|---|
| UMB Bank, National Association | 58.4% |
| Commerce Bank | 11.9% |
| Lead Bank | 4.5% |
| Bank of America, National Association | 3.6% |
| U.S. Bank National Association | 3.2% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.