Credit Union Safety Analysis
Is The Summit Federal Credit Union Safe? Rochester, New York
Based on its Q2 2026 NCUA 5300 call report, The Summit Federal Credit Union has a net worth ratio of 11.31%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.34%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, The Summit Federal Credit Union's net worth ratio is 11.31%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.31%
- Delinquency ratio (60+ days) (Q2 2026): 0.34%
- Return on assets (Q2 2026): 0.79%
- Loan-to-share ratio (Q2 2026): 91.74%
The Summit Federal Credit Union (NCUA charter 4580, established 1941) reported $1.50B in assets and 98,362 members for Q2 2026 from Rochester, New York. It ranks 19 of 267 credit unions in New York by total assets. Total assets grew 5.4% from $1.42B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 11.25% for Q1 2026; 10.90% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.31% for Q1 2026; 0.30% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.95% for Q1 2026; 0.96% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 89.84% for Q1 2026; 91.25% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $404.8M
- Used vehicle loans: $381.5M
- 1- to 4-family residential and other consumer real estate loans: $361.7M
- Unsecured credit card loans: $27.0M
- Other unsecured loans and lines of credit: $13.3M
- Other secured non-real estate loans and lines of credit: $9.6M
- Non-federally guaranteed student loans: $2.9M
- Commercial loans: $1.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.50B | 11.31% | 0.34% | 0.79% | 91.74% |
| March 31, 2026 | $1.48B | 11.25% | 0.31% | 0.95% | 89.84% |
| December 31, 2025 | $1.45B | 11.25% | 0.33% | 1.29% | 90.28% |
| September 30, 2025 | $1.41B | 11.19% | 0.34% | 1.12% | 92.43% |
| June 30, 2025 | $1.42B | 10.90% | 0.30% | 0.96% | 91.25% |
| March 31, 2025 | $1.40B | 10.77% | 0.24% | 0.99% | 90.21% |
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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.
The Summit Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 4580) · FFIEC NIC profile (RSSD 656872)
Frequently asked questions
Is The Summit Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, The Summit Federal Credit Union's net worth ratio is 11.31%, above the 7% NCUA threshold for well capitalized.
Is The Summit Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. The Summit Federal Credit Union is a federally insured credit union (NCUA charter 4580): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are The Summit Federal Credit Union's key safety ratios?
For Q2 2026, The Summit Federal Credit Union reports net worth 11.31%, delinquency 0.34%, ROA 0.79%, loan-to-share 91.74%.
What happens to my money if The Summit Federal Credit Union fails?
For Q2 2026, The Summit Federal Credit Union held $1.31B in shares and deposits for 98,362 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.