Federal credit union · ROCHESTER, New York · NCUA charter #4580
The Summit
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $1.45B
- Total assets
- 96,919
- Members
- 11.3%
- Net-worth ratio
The Summit scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.45B; members 96,919; net-worth ratio 11.25%; health rank #197 of 4,374; healthier than 95th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#197 of 4,374 health · 2025Q4The Summit · health 97/100 · $1.45B · 2025Q4
Call Report peers
The Summit in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
The Summit vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); The Summit sits in 95-99 with 391 others.
97 Top 5% higher than 95% 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
Where The Summit diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 90.28% here, 83.90% peer average (+6.38 pp).
The Summit: in-state Call Report ranks
- Health composite ranks #15 of 272 among scored New York credit unions.
- New York assets place: #19 of 272.
- Member book place in New York: #15 of 272.
- One place up in New York, G.P.O. (#14) ties at 97/100; one place down, Reliant Community (#16) ties at 97/100.
The Summit Call Report trajectory
The Summit: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $1.45B (2025Q4) to $1.48B (2026Q1).
- Net-worth ratio shifted +0.00 pp (11.25% → 11.25%).
11.25% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 97/100 score is built
The Summit gives up 3 points in total. Member Growth costs the most, 3.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.8 pts
- Loan-to-Share Ratio 15.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.25% | +0.07 pp |
| Delinquency Rate | 0.33% | -0.54 pp |
| Return on Assets | 0.86% | +0.35 pp |
| Member Growth | 2.36% | - |
| Loan-to-Share Ratio | 90.28% | +6.38 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
The Summit filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.48B | - |
| 2025Q4 | $1.45B | 96,919 |
| 2024Q4 | $1.37B | 94,685 |
| 2023Q4 | $1.28B | 93,756 |
Credit Union Details
- Charter Number
- 4580
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- New York
- City
- ROCHESTER
- Data Quarter
- 2025Q4
Branch Locations (15)
Per its most recent NCUA branch filing, The Summit runs 15 offices in 11 different cities.
| Office | City |
|---|---|
| The Summit FCU (Main Office) | ROCHESTER, NY |
| DELAWARE | BUFFALO, NY |
| CORTLAND | CORTLAND, NY |
| CLARENCE | East AMHERST, NY |
| Perinton Branch | Fairport, NY |
| HILTON | HILTON, NY |
| Taft Rd | North Syracuse, NY |
| PENFIELD | PENFIELD, NY |
| IRONDEQUOIT | ROCHESTER, NY |
| HENRIETTA | ROCHESTER, NY |
| BRIGHTON | ROCHESTER, NY |
| GREECE | ROCHESTER, NY |
| City of Rochester | Rochester, NY |
| SENECA FALLS | SENECA FALLS, NY |
| ERIE | SYRACUSE, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for The Summit
Similar total assets
Using this data
- The Summit ranks #197 of 4,374 nationally on financial health and #15 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ISLAND is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ISLAND
Frequently Asked Questions
Is The Summit financially healthy?
On its 2025Q4 NCUA 5300 filing, The Summit scores 97/100 (Excellent), with a 11.25% net worth ratio and 0.33% of loans delinquent. It ranks #197 of 4,374 nationally on health and #15 of 272 in New York.
How does The Summit compare to other credit unions?
The Summit scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (90.28% vs 83.90%).
How can I join The Summit?
The Summit operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact The Summit directly for the exact boundaries and application steps.
Is my money safe at The Summit?
The Summit is a federal 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. The Summit's net worth ratio of 11.25% 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.