The Summit Federal Credit Union
Total assets
$1.48B
▲ +5.2% YoY
Shares & deposits
$1.30B
▲ +4.1% YoY
Loans
$1.16B
▲ +3.7% YoY
Members
97,655
▲ +2.7% YoY
ROA (annualized)
0.95%
peers 0.71%
ROE (annualized)
8.42%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +5.1% | +0.1 pts |
| Share growth (YoY) | +4.1% | +4.9% | -0.8 pts |
| Loan growth (YoY) | +3.7% | +5.4% | -1.8 pts |
| ROA | 0.95% | 0.71% | +0.2 pts |
| ROE | 8.4% | 6.3% | +2.1 pts |
ROA ranks in the 71st percentile of its peer group · Q1 2026
Profile
- Established
- 1941
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 100 Marina Dr, Rochester, NY, 14626
- NCUA charter #
- 4580
- RSSD ID
- 656872
- 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 | $1.48B | $1.30B | $1.16B | $166.1M | $3.5M | 0.95% | 3.04% | 0.31% | 97,655 |
| Q4 2025 | $1.45B | $1.27B | $1.14B | $162.6M | $15.5M | 1.07% | 3.10% | 0.33% | 96,919 |
| Q3 2025 | $1.41B | $1.24B | $1.15B | $158.3M | $10.8M | 1.02% | 3.13% | 0.34% | 106,075 |
| Q2 2025 | $1.42B | $1.25B | $1.14B | $154.6M | $6.9M | 0.97% | 3.05% | 0.30% | 96,176 |
| Q1 2025 | $1.40B | $1.24B | $1.12B | $151.2M | $3.5M | 0.99% | 2.99% | 0.24% | 95,069 |
| Q4 2024 | $1.37B | $1.21B | $1.12B | $147.8M | $12.4M | 0.90% | 2.86% | 0.38% | 94,685 |
| Q3 2024 | $1.35B | $1.19B | $1.14B | $144.6M | $8.7M | 0.86% | 2.84% | 0.32% | 95,042 |
| Q2 2024 | $1.38B | $1.22B | $1.13B | $141.0M | $5.0M | 0.73% | 2.71% | 0.30% | 95,008 |
Loan mix (Q1 2026): real estate $348.0M · commercial $946K · consumer $802.6M · securities $119.9M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 0.71% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 6.3% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.04% | 3.32% | 32th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.7% | 73.0% | 30th | |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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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