State credit union · Madison, Wisconsin · NCUA charter #67190
SUMMIT
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $8.10B
- Total assets
- 275,590
- Members
- 10.3%
- Net-worth ratio
SUMMIT scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.10B; members 275,590; net-worth ratio 10.26%; health rank #983 of 4,374; healthier than 77th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#983 of 4,374 health · 2025Q4SUMMIT · health 91/100 · $8.10B · 2025Q4
- MEM 91/100
- RANK 10.3%
- PHOTO 0.73%
- BOOK 0.72%
- CHARTER $8.10B
- NCUSIF 275,590
- CAMELS #983/4,374
- HEALTH Hudson Valley
- NW 67190
Call Report peers
SUMMIT in the assets neighbourhood
SUMMIT's $8.10B assets sit next to Hudson Valley ($8.08B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SUMMIT vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
SUMMIT - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #67190. See our deposit-insurance coverage note.
SUMMIT vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 100.06% here, 83.90% peer average (+16.16 pp).
- Largest lag: Net Worth Ratio at 10.26% vs peer 11.18% (-0.92 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
SUMMIT in Wisconsin
- Health composite ranks #36 of 100 among scored Wisconsin credit unions.
- Wisconsin assets place: #1 of 100.
- Membership ranks #5 of 100 among Wisconsin CUs with a reported count (275,590 members).
In-state ordinals use the live credit_unions table for WI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
SUMMIT Call Report trajectory
SUMMIT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $8.10B (2025Q4) to $8.30B (2026Q1).
- Net-worth ratio shifted +0.03 pp (10.23% → 10.26%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.26% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.7 pts
- Return on Assets 15.0 pts
- Member Growth 13.1 pts
- Loan-to-Share Ratio 10.2 pts
SUMMIT vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.26% | -0.92 pp |
| Delinquency Rate | 0.73% | -0.14 pp |
| Return on Assets | 0.72% | +0.21 pp |
| Member Growth | 3.46% | - |
| Loan-to-Share Ratio | 100.06% | +16.16 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
SUMMIT quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.30B | - |
| 2025Q4 | $8.10B | 275,590 |
| 2024Q4 | $7.46B | 266,382 |
| 2023Q4 | $6.95B | 257,368 |
Credit Union Details
- Charter Number
- 67190
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Wisconsin
- City
- Madison
- Data Quarter
- 2025Q4
Branch Locations (57)
The NCUA branch filing lists 57 physical offices for SUMMIT, spread across 38 cities.
| Office | City |
|---|---|
| Cottage Grove - Headquarters (Main Office) | Cottage Grove, WI |
| Baraboo | Baraboo, WI |
| Beaver Dam | Beaver Dam, WI |
| Brookfield | Brookfield, WI |
| Cedarburg | Cedarburg, WI |
| Fitchburg | Fitchburg, WI |
| Rimrock | Fitchburg, WI |
| Fond du Lac | Fond du Lac, WI |
| Franklin | Franklin, WI |
| Howard | Green Bay, WI |
| Oneida | Green Bay, WI |
| Greendale | Greendale, WI |
| Hartford | Hartford, WI |
| Janesville | Janesville, WI |
| Kenosha | Kenosha, WI |
| Lake Mills | Lake Mills, WI |
| American Parkway | Madison, WI |
| Cottage Grove | Madison, WI |
| Old Sauk | Madison, WI |
| City Station | Madison, WI |
| Mineral Point | Madison, WI |
| Thierer | Madison, WI |
| Westport | Madison, WI |
| Yellowstone | Madison, WI |
| LaFollette High School | Madison, WI |
| Memorial High School | Madison, WI |
| East High School | Madison, WI |
| West High School | Madison, WI |
| Downtown | Madison, WI |
| Black Business Hub (HUB) | Madison, WI |
| Middleton | Middleton, WI |
| Greenfield Avenue | Milwaukee, WI |
| Veterans Administration | Milwaukee, WI |
| Walker's Point | Milwaukee, WI |
| Monona | Monona, WI |
| Monroe | Monroe, WI |
| Mt Horeb | Mount Horeb, WI |
| Muskego | Muskego, WI |
| New Berlin | New Berlin, WI |
| Oak Creek | Oak Creek, WI |
| Oconomowoc | Oconomowoc, WI |
| Pewaukee | Pewaukee, WI |
| Plover | Plover, WI |
| Portage | Portage, WI |
| Sheboygan | Sheboygan, WI |
| Stoughton | Stoughton, WI |
| Sun Prairie | Sun Prairie, WI |
| Sun Prairie West | Sun Prairie, WI |
| Verona | Verona, WI |
| Watertown Mortgage Loan Branch | Watertown, WI |
| Waukesha | Waukesha, WI |
| Waukesha NE | Waukesha, WI |
| Waunakee | Waunakee, WI |
| Wauwatosa | Wauwatosa, WI |
| West Bend | West Bend, WI |
| West Milwaukee Journal | West Milwaukee, WI |
| Weston | Weston, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
A look at other Wisconsin credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for SUMMIT, both outside Wisconsin so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($8.10B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- SUMMIT ranks #983 of 4,374 nationally on financial health and #36 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LANDMARK is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LANDMARK
- Rates and health both vary by institution, not just by state -- see how Wisconsin credit unions compare overall before assuming this one is typical. Wisconsin state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is SUMMIT financially healthy?
SUMMIT has a financial health score of 91/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #983 of 4,374; by total assets it ranks #49 of 4,374 nationally (same basis as /rankings/largest); and #1 of 100 within Wisconsin. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.26% and delinquency rate of 0.73%.
How does SUMMIT compare to other credit unions?
91/100 is SUMMIT's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join SUMMIT?
Membership eligibility for SUMMIT depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact SUMMIT directly for current membership requirements and application steps.
Is my money safe at SUMMIT?
Federal credit unions like SUMMIT are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. SUMMIT's net worth ratio of 10.26% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SUMMIT offer compared to banks?
Credit unions like SUMMIT are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact SUMMIT directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.