The Summit
Rochester, NY · Charter 4580 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 15 branches
Q2 2026
$1.5BAssets
$1.2BLoans
$1.3BShares
$169.1MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 87% of credit unions $1B-$10B in assets (rank 59 of 435).
- Widest gap: net interest margin trails 74% of credit unions $1B-$10B in assets (rank 321 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
0.86%
Rank 197 of 435
Net Interest Margin
3.04%
Rank 321 of 435
Efficiency Ratio
69.83%
Rank 188 of 435
Equity / Assets
11.31%
Rank 179 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.86% | 0.55% | 0.81% | 1.14% | Beats 55% | 197 / 435 | |
| Return on Equity | 7.63% | 5.12% | 7.41% | 9.70% | Beats 52% | 208 / 435 | |
| Net Interest Margin | 3.04% | 3.01% | 3.39% | 3.75% | Beats 26% | 321 / 435 | |
| Efficiency Ratio | 69.83% | 65.25% | 71.39% | 77.86% | Beats 57% | 188 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.34% | 0.45% | 0.69% | 1.05% | Beats 87% | 59 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.31% | 9.81% | 10.84% | 12.63% | Beats 59% | 179 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.31% | 9.81% | 10.84% | 12.63% | Beats 59% | 179 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 91.74% | 78.33% | 88.38% | 95.61% | 61st pctl | 168 / 435 | |
| Loans / Assets | 80.37% | 67.69% | 74.58% | 80.80% | 73rd pctl | 119 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |