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
Call Report peers
SUMMIT in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); SUMMIT sits in 90-94 with 747 others.
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 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).
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).
- One place up in Wisconsin, ROYAL (#35) ties at 91/100; one place down, Governmental Employees (#37) ties at 91/100.
SUMMIT Call Report trajectory
SUMMIT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $8.10B (2025Q4) to $8.30B (2026Q1).
- Net-worth ratio shifted +0.03 pp (10.23% → 10.26%).
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
SUMMIT gives up 9 points in total. Loan-to-Share Ratio costs the most, 4.5 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is SUMMIT financially healthy?
SUMMIT has a financial health score of 91/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #983 of 4,374 nationally on health and #36 of 100 in Wisconsin. Its net worth ratio is 10.26% and its delinquency rate 0.73%.
How does SUMMIT compare to other credit unions?
SUMMIT scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (100.06% vs 83.90%). Its widest shortfall is net worth ratio (10.26% vs 11.18%).
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?
SUMMIT is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.