Summit Choice Federal Credit Union (NCUA charter #21593) is based in Fort Wayne, Indiana. Its Q2 2026 call report shows $206.6M in total assets and $179.5M in member shares and deposits and 2 offices.
Based on its Q2 2026 filing, Summit Choice Federal Credit Union scores 72/100, which we describe as strong. That is higher than 57% of 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Indiana, it ranks 67th. Its strongest component is problem-loan coverage (92/100; 4.1%), and its lowest is earnings (43/100; 0.57%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 11 points (83 → 72), mostly because the earnings component weakened by 49 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 75 |
| Q4 2024 | 75 |
| Q1 2025 | 81 |
| Q2 2025 | 83 |
| Q3 2025 | 81 |
| Q4 2025 | 75 |
| Q1 2026 | 74 |
| Q2 2026 | 72 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.56% |
| Q3 2024 | 11.76% |
| Q4 2024 | 11.90% |
| Q1 2025 | 11.93% |
| Q2 2025 | 12.74% |
| Q3 2025 | 12.54% |
| Q4 2025 | 12.52% |
| Q1 2026 | 12.32% |
| Q2 2026 | 12.58% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.43% |
| Q3 2024 | 0.59% |
| Q4 2024 | 0.57% |
| Q1 2025 | 0.21% |
| Q2 2025 | 0.54% |
| Q3 2025 | 0.58% |
| Q4 2025 | 0.91% |
| Q1 2026 | 0.42% |
| Q2 2026 | 0.66% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.17% |
| Q3 2024 | 1.20% |
| Q4 2024 | 1.16% |
| Q1 2025 | 1.37% |
| Q2 2025 | 1.79% |
| Q3 2025 | 1.62% |
| Q4 2025 | 1.39% |
| Q1 2026 | 0.73% |
| Q2 2026 | 0.57% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $206.6M | 12.58% | 0.66% | 0.57% | 84.1% |
| Q1 2026 | 74 | $209.4M | 12.32% | 0.42% | 0.73% | 81.4% |
| Q4 2025 | 75 | $203.1M | 12.52% | 0.91% | 1.39% | 84.9% |
| Q3 2025 | 81 | $200.5M | 12.54% | 0.58% | 1.62% | 83.1% |
| Q2 2025 | 83 | $191.6M | 12.74% | 0.54% | 1.79% | 85.6% |
| Q1 2025 | 81 | $195.8M | 11.93% | 0.21% | 1.37% | 80.3% |
| Q4 2024 | 75 | $190.8M | 11.90% | 0.57% | 1.16% | 82.8% |
| Q3 2024 | 75 | $189.5M | 11.76% | 0.59% | 1.20% | 81.9% |
| Q2 2024 | 76 | $187.5M | 11.56% | 0.43% | 1.17% | 82.7% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Indiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Trust Credit UnionCredit union Michigan City, IN | 63 out of 100, Moderate | $191.6M | 13.4% | 3.08% | vs |
| U S #1364 Federal Credit UnionCredit union Merrillville, IN | 76 out of 100, Strong | $222.4M | 13.6% | 1.12% | vs |
| Regional Federal Credit UnionCredit union Winfield, IN | 68 out of 100, Moderate | $180.1M | 13.6% | 1.07% | vs |
| Diamond Valley Federal Credit UnionCredit union Evansville, IN | 78 out of 100, Strong | $178.8M | 12.9% | 0.72% | vs |
| Allegius Federal Credit UnionCredit union Burns Harbor, IN | 69 out of 100, Moderate | $176.9M | 14.2% | 1.63% | vs |
| Encompass Federal Credit UnionCredit union Tipton, IN | 52 out of 100, Below average | $240.7M | 9.4% | 1.60% | vs |
Deposit insurance
Is my money safe at Summit Choice Federal Credit Union?
Yes. Summit Choice Federal Credit Union is a federally insured credit union (NCUA charter #21593). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 4.8% of shares and deposits ($8.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 12.58%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Summit Choice Federal Credit Union lists 2 offices in 1 city. Most locations:
- Fort Wayne, IN (2)
Identity & history
Profile
- Legal name
- Summit Choice Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 21593
- RSSD ID
- 151685
- Primary regulator
- NCUA
- Established
- 1974
- Headquarters
- 3306 N Clinton St, Fort Wayne, IN 46805
- Employees
- 57
Quick answers
Summit Choice Federal Credit Union: common questions
Is Summit Choice Federal Credit Union NCUA insured?
Yes. Summit Choice Federal Credit Union is a federally insured credit union (NCUA charter #21593). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Summit Choice Federal Credit Union's TellerScore?
72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Summit Choice Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Fort Wayne
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sheboygan Area Credit UnionCredit union Sheboygan, WI | 97 out of 100, Very strong | $93.4M | 15.3% | 0.13% | vs |
| Sca Federal Credit UnionCredit union New Castle, PA | 94 out of 100, Very strong | $17.4M | 19.7% | 0.09% | vs |
| Fortress Federal Credit UnionCredit union Marion, IN | 88 out of 100, Very strong | $22.3M | 17.6% | 0.08% | vs |
| Generations Federal Credit UnionCredit union LA Porte, IN | 88 out of 100, Very strong | $12.2M | 14.4% | 0.59% | vs |
| Weatherhead C C Federal Credit UnionCredit union Columbia City, IN | 88 out of 100, Very strong | $25.0M | 13.7% | 0.95% | vs |
| Bloomington Municipal Credit UnionCredit union Bloomington, IL | 87 out of 100, Very strong | $45.7M | 13.5% | 0.10% | vs |