Credit Union Safety Analysis
Is Summit Credit Union Safe? Greensboro, North Carolina
Based on its Q2 2026 NCUA 5300 call report, Summit Credit Union has a net worth ratio of 15.44%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.71%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Summit Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Summit Credit Union's net worth ratio is 15.44%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.44%
- Delinquency ratio (60+ days) (Q2 2026): 0.71%
- Return on assets (Q2 2026): 1.02%
- Loan-to-share ratio (Q2 2026): 78.29%
Summit Credit Union (NCUA charter 63020, established 1935) reported $368.8M in assets and 30,745 members for Q2 2026 from Greensboro, North Carolina. It ranks 17 of 56 credit unions in North Carolina by total assets. Total assets grew 1.8% from $362.3M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 15.16% for Q1 2026; 14.86% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 1.19% for Q1 2026; 0.75% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.79% for Q1 2026; 0.54% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 77.56% for Q1 2026; 78.92% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $107.9M
- Used vehicle loans: $63.3M
- Commercial loans: $26.4M
- Unsecured credit card loans: $12.5M
- Other unsecured loans and lines of credit: $12.4M
- New vehicle loans: $6.3M
- Other secured non-real estate loans and lines of credit: $4.9M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $368.8M | 15.44% | 0.71% | 1.02% | 78.29% |
| March 31, 2026 | $369.4M | 15.16% | 1.19% | 0.79% | 77.56% |
| December 31, 2025 | $360.3M | 15.41% | 0.93% | 1.52% | 79.86% |
| September 30, 2025 | $362.0M | 14.96% | 0.63% | 0.37% | 79.20% |
| June 30, 2025 | $362.3M | 14.86% | 0.75% | 0.54% | 78.92% |
| March 31, 2025 | $360.6M | 14.79% | 0.68% | 0.63% | 77.74% |
Add this badge to your website
Free to use. It shows Summit Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 63020) · FFIEC NIC profile (RSSD 101194)
Frequently asked questions
Is Summit Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Summit Credit Union's net worth ratio is 15.44%, above the 7% NCUA threshold for well capitalized.
Is Summit Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Summit Credit Union is a federally insured credit union (NCUA charter 63020): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Summit Credit Union's key safety ratios?
For Q2 2026, Summit Credit Union reports net worth 15.44%, delinquency 0.71%, ROA 1.02%, loan-to-share 78.29%.
What happens to my money if Summit Credit Union fails?
For Q2 2026, Summit Credit Union held $298.4M in shares and deposits for 30,745 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.