Summit Credit Union
Total assets
$8.30B
▲ +9.0% YoY
Shares & deposits
$6.67B
▲ +9.3% YoY
Loans
$6.62B
▲ +10.0% YoY
Members
278,241
▲ +3.9% YoY
ROA (annualized)
1.14%
peers 0.71%
ROE (annualized)
11.13%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | Summit Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.0% | +5.1% | +3.9 pts |
| Share growth (YoY) | +9.3% | +4.9% | +4.5 pts |
| Loan growth (YoY) | +10.0% | +5.4% | +4.6 pts |
| ROA | 1.14% | 0.71% | +0.4 pts |
| ROE | 11.1% | 6.3% | +4.9 pts |
ROA ranks in the 80th percentile of its peer group · Q1 2026
Profile
- Established
- 1935
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 8046, Madison, WI, 53708
- NCUA charter #
- 67190
- RSSD ID
- 734499
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.30B | $6.67B | $6.62B | $851.7M | $23.7M | 1.14% | 2.88% | 0.60% | 278,241 |
| Q4 2025 | $8.10B | $6.47B | $6.47B | $828.0M | $100.6M | 1.24% | 2.86% | 0.73% | 275,590 |
| Q3 2025 | $7.96B | $6.38B | $6.30B | $796.9M | $69.4M | 1.16% | 2.85% | 0.82% | 273,364 |
| Q2 2025 | $7.79B | $6.24B | $6.16B | $769.5M | $42.1M | 1.08% | 2.81% | 0.84% | 270,748 |
| Q1 2025 | $7.62B | $6.10B | $6.02B | $746.0M | $18.6M | 0.98% | 2.76% | 0.58% | 267,881 |
| Q4 2024 | $7.46B | $5.90B | $5.96B | $727.5M | $58.4M | 0.78% | 2.72% | 0.64% | 266,382 |
| Q3 2024 | $7.47B | $5.91B | $5.81B | $707.8M | $38.8M | 0.69% | 2.67% | 0.70% | 264,754 |
| Q2 2024 | $7.31B | $5.77B | $5.73B | $693.1M | $24.1M | 0.66% | 2.63% | 0.73% | 260,384 |
Loan mix (Q1 2026): real estate $4.37B · commercial $978.8M · consumer $1.15B · securities $634.8M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Summit Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 0.71% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 6.3% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.88% | 3.32% | 21th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.7% | 73.0% | 16th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Summit Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Summit Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Summit Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Summit Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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