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
- DELQ 97/100
- ROA 11.3%
- ASSETS 0.33%
- MEM 0.86%
- RANK $1.45B
- PHOTO 96,919
- BOOK #197/4,374
- CHARTER First Florida
- NCUSIF 4580
Call Report peers
The Summit in the assets neighbourhood
The Summit's $1.45B assets sit next to First Florida ($1.45B) 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.
The 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
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
The Summit - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #4580. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
The Summit Call Report trajectory
The Summit: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $1.45B (2025Q4) to $1.48B (2026Q1).
- Net-worth ratio shifted +0.00 pp (11.25% → 11.25%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- 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 |
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).
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
Two NCUA Call Report peer sets for The Summit, both outside New York 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 ($1.45B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
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
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York 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 The Summit financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, The Summit carries a financial health score of 97/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #197 of 4,374; by total assets it ranks #342 of 4,374 nationally (same basis as /rankings/largest); and #19 of 272 within New York. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.25% net worth ratio and a 0.33% delinquency rate.
How does The Summit compare to other credit unions?
The Summit scores 97/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 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?
Federal credit unions like The 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. The Summit's net worth ratio of 11.25% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does The Summit offer compared to banks?
Credit unions like The 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 The 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.