PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

The Summit

Rochester, NY · Charter 4580

NCUA · 15 branches

Q2 2026

$1.5BAssets
$1.2BLoans
$1.3BShares
$169.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.86%, down 11 bps year over year; NIM at 3.04%.
  • Asset quality: problem loans at 0.34% of loans (+4 bps YoY).
  • Capital: net worth / assets of 11.31%, up 41 bps from a year ago.
  • Funding: loans stand at 91.74% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.86%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.04%-1 bps YoY

Efficiency Ratio (YTD, annualized)

69.83%+33 bps YoY

Net Worth / Assets

11.31%+41 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%1.02%1.07%0.95%0.86%-11 bps
Return on Equity8.88%9.11%9.52%8.42%7.63%-125 bps
Net Interest Margin3.05%3.14%3.10%3.04%3.04%-1 bps
Efficiency Ratio69.50%69.42%68.80%67.71%69.83%+33 bps
Growth
Asset Growth (YoY)3.15%4.55%5.15%5.24%5.41%+227 bps
Loan Growth (YoY)1.20%0.38%1.81%3.66%4.97%+378 bps
Share Growth (YoY)3.12%4.19%4.66%4.08%4.42%+129 bps
Asset Quality
Delinquent Loans / Loans0.30%0.34%0.33%0.31%0.34%+4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.90%11.19%11.25%11.25%11.31%+41 bps
Net Worth / Assets10.90%11.19%11.25%11.25%11.31%+41 bps
Liquidity & Funding
Loans / Shares91.25%92.43%90.28%89.84%91.74%+48 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps