The Summit

ROCHESTER, NY · 1 · Charter #4580 · WWW.SUMMITFCU.ORG
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.4B
28th percentile
Members
96,919
40th percentile
Total loans
$1.1B
37th percentile
Total shares
$1.2B
30th percentile

Profitability

Return on assets
1.26%
69th percentile
Net interest margin
3.10%
42th percentile
Efficiency ratio
47.86%
66th percentile
Non-interest income ratio
16.03%
32th percentile

Capital & Risk

Net worth ratio
11.25%
60th percentile
Delinquency rate
0.33%
87th percentile
Net charge-off rate
0.21%
85th percentile
Loan-to-share
92.28%
57th percentile

Growth

Member growth YoY
2.36%
50th percentile
Asset growth YoY
5.15%
45th percentile
Loan growth YoY
1.81%
28th percentile
Share growth YoY
4.78%
44th percentile

Operations

Members / branch
6,461
37th percentile
Assets / member
$14,918
22th percentile
Field of membership penetration
12.11%
72th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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