Summit Credit Union Greensboro, North Carolina
Summit Credit Union is a state-chartered credit union headquartered in Greensboro, NC, established in 1935 (NCUA charter 63020), and it is regulated and insured by the NCUA. At Q2 2026 it reported 30,745 members and total assets of $368.8M (up 1.8% from Q2 2025), the 17th largest of 56 credit unions headquartered in North Carolina. Its net worth ratio was 15.44% at Q2 2026, in the well capitalized band.
Also written as Summit CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 63020
- Headquarters
- Greensboro, NC
- Established
- 1935
- Total assets, Q2 2026
- $368.8M
- Assets vs Q2 2025
- +1.8%
- Members, Q2 2026
- 30,745
- Net worth ratio, Q2 2026
- 15.44%
- Latest call report
- Q2 2026, NCUA 5300 · Summit Credit Union call report
- Asset rank in state
- 17th of 56 in North Carolina
- Routing number
- 253176118
- Branches
- 8
It has 847 fewer members than on June 30, 2025 (-2.7%). Its net worth ratio was up 0.58 percentage points from 14.86% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $107.9M of $233.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.71% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 15.44% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in North Carolina
Credit unions merged into Summit Credit Union
Lincoln National Federal Credit Union (2019) · Triad Partners Federal Credit Union (2018) · Century Employees Savings Fund Credit Union (2017) · Corning Cable Systems Credit Union (2017) · Oxford Credit Union (2015) · United Chemi-Con Manufacturing Employees Credit Union (2013)
Frequently asked about Summit Credit Union
How big is Summit Credit Union?
At Q2 2026 it reported total assets of $368.8M and 30,745 members.
Where is Summit Credit Union headquartered?
It is headquartered in Greensboro, NC, United States.
When was Summit Credit Union founded?
It was established in 1935, per NCUA records.
Is Summit Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 63020): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Summit Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Summit Credit Union well capitalized?
Its net worth ratio was 15.44% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Summit Credit Union's delinquency ratio?
Its delinquency ratio was 0.71% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Summit Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 78.29% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Greensboro, NC 27409
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1935
- NCUA Charter #
- 63020
- RSSD ID
- 101194
- Members
- 30,745
- Potential members
- 97,945
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 15.44% | 11.43% | 86th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.02% | 0.81% | 63rd above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 6.63% | 7.02% | 47th below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.66% | 3.70% | over 90th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 67.26% | 76.55% | 78th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.93% | 1.24% | 74th above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.71% | 0.68% | 48th below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.59% | 4.92% | 83rd position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 78.29% | 75.66% | 56th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$368.8M total assets against $362.3M; $298.4M total shares and deposits against $294.8M; $233.6M total loans against $232.6M.
$56.9M net worth against $53.9M.
15.44% net worth ratio against 14.86%.
78.29% loan-to-share ratio against 78.92%.
0.71% delinquency ratio against 0.75%.
1.02% return on assets against 0.54%; 6.63% return on equity against 3.66%.
4.66% net interest margin against 4.63%.
30,745 members against 31,592.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.44% | 1.02% | 0.71% | 78.29% |
| March 31, 2026 | 15.16% | 0.79% | 1.19% | 77.56% |
| December 31, 2025 | 15.41% | 1.52% | 0.93% | 79.86% |
| September 30, 2025 | 14.96% | 0.37% | 0.63% | 79.20% |
| June 30, 2025 | 14.86% | 0.54% | 0.75% | 78.92% |
| March 31, 2025 | 14.79% | 0.63% | 0.68% | 77.74% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.