The Summit Federal Credit Union Rochester, New York
The Summit Federal Credit Union is a federal credit union headquartered in Rochester, NY, established in 1941 (NCUA charter 4580), and it is regulated and insured by the NCUA. At Q2 2026 it reported 98,362 members and total assets of $1.50B (up 5.4% from Q2 2025), the 19th largest of 267 credit unions headquartered in New York. Its net worth ratio was 11.31% at Q2 2026, in the well capitalized band.
Also written as Summit FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 4580
- Headquarters
- Rochester, NY
- Established
- 1941
- Total assets, Q2 2026
- $1.50B
- Assets vs Q2 2025
- +5.4%
- Members, Q2 2026
- 98,362
- Net worth ratio, Q2 2026
- 11.31%
- Latest call report
- Q2 2026, NCUA 5300 · The Summit Federal Credit Union call report
- Asset rank in state
- 19th of 267 in New York
- Routing number
- 222382315
- Branches
- 15
It has 2,186 more members than on June 30, 2025 (+2.3%). Its net worth ratio was up 0.41 percentage points from 10.90% on June 30, 2025. New vehicle loans are its largest loan category, $404.8M of $1.20B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.34% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 11.31% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in New York
Frequently asked about The Summit Federal Credit Union
How big is The Summit Federal Credit Union?
At Q2 2026 it reported total assets of $1.50B and 98,362 members.
Where is The Summit Federal Credit Union headquartered?
It is headquartered in Rochester, NY, United States.
When was The Summit Federal Credit Union founded?
It was established in 1941, per NCUA records.
Is The Summit Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 4580): 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 The Summit Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is The Summit Federal Credit Union well capitalized?
Its net worth ratio was 11.31% 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 The Summit Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.34% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is The Summit Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 91.74% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Rochester, NY 14626
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1941
- NCUA Charter #
- 4580
- RSSD ID
- 656872
- Members
- 98,362
- Potential members
- 800,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 11.31% | 10.89% | 56th above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.79% | 0.89% | 42nd below |
| Return on equity Middle half of peers: 5.37% to 10.92% | 6.99% | 8.07% | 40th below |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.08% | 3.45% | 27th below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 71.88% | 70.59% | 45th below |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.72% | 1.68% | 47th below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.34% | 0.68% | 87th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.80% | 5.12% | 30th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 91.74% | 88.03% | 63rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.50B total assets against $1.42B; $1.31B total shares and deposits against $1.25B; $1.20B total loans against $1.14B.
$169.1M net worth against $154.6M.
11.31% net worth ratio against 10.90%.
91.74% loan-to-share ratio against 91.25%.
0.34% delinquency ratio against 0.30%.
0.79% return on assets against 0.96%; 6.99% return on equity against 8.81%.
3.08% net interest margin against 3.15%.
98,362 members against 96,176.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.31% | 0.79% | 0.34% | 91.74% |
| March 31, 2026 | 11.25% | 0.95% | 0.31% | 89.84% |
| December 31, 2025 | 11.25% | 1.29% | 0.33% | 90.28% |
| September 30, 2025 | 11.19% | 1.12% | 0.34% | 92.43% |
| June 30, 2025 | 10.90% | 0.96% | 0.30% | 91.25% |
| March 31, 2025 | 10.77% | 0.99% | 0.24% | 90.21% |
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.