TellerScore

Headquartered in Greensboro, North Carolina, Summit Credit Union is a federally insured state-chartered credit union with $368.8M in total assets and $298.4M in member shares and deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1935.

Summit Credit Union has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 82% of its 1,341 credit unions with $100 million – $1 billion. Among 57 credit unions headquartered in North Carolina, it ranks 9th. Capital cushion contributes the most (100/100, 15.44%); earnings contributes the least (56/100, 0.91%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.44%
Loan quality76/100
Loans 60+ days delinquent ÷ total loans: 0.71%
Earnings56/100
Return on assets (annualized): 0.91%
Funding & liquidity82/100
Loans ÷ shares: 78.3% · 11.0% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.92%

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 rose 3 points (79 → 82), mostly because the earnings component improved by 13 points.

TellerScore
778083Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202480
Q4 202478
Q1 202580
Q2 202579
Q3 202580
Q4 202579
Q1 202677
Q2 202682
Net worth ratio
7.00%11.22%15.44%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.99%
Q3 202415.27%
Q4 202415.18%
Q1 202514.79%
Q2 202514.86%
Q3 202514.96%
Q4 202515.41%
Q1 202615.16%
Q2 202615.44%
Delinquent loans (60+ days)
0.63%0.91%1.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.80%
Q3 20240.93%
Q4 20241.13%
Q1 20250.68%
Q2 20250.75%
Q3 20250.63%
Q4 20250.93%
Q1 20261.19%
Q2 20260.71%
Return on assets
0.51%0.81%1.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.10%
Q3 20241.01%
Q4 20240.86%
Q1 20250.63%
Q2 20250.59%
Q3 20250.51%
Q4 20250.77%
Q1 20260.79%
Q2 20260.91%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$368.8M15.44%0.71%0.91%78.3%
Q1 202677$369.4M15.16%1.19%0.79%77.6%
Q4 202579$360.3M15.41%0.93%0.77%79.9%
Q3 202580$362.0M14.96%0.63%0.51%79.2%
Q2 202579$362.3M14.86%0.75%0.59%78.9%
Q1 202580$360.6M14.79%0.68%0.63%77.7%
Q4 202478$349.4M15.18%1.13%0.86%80.7%
Q3 202480$344.6M15.27%0.93%1.01%80.1%
Q2 202483$346.3M14.99%0.80%1.10%78.0%

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).

Capital ratio15.44%
87th
Problem loans0.71%
48th
Net charge-offs1.22%
6th
Return on assets0.91%
61st
Loans to deposits78.3%
44th
Uninsured deposits11.0%
13th
Loan-loss reserves0.00%
50th
Texas ratio2.9%
63rd

Similar-size credit unions in North Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Piedmont Advantage Credit UnionCredit union Winston Salem, NC54 out of 100, Below average$367.9M8.6%0.50%vs
Mountain Credit UnionCredit union Waynesville, NC70 out of 100, Strong$372.4M11.2%0.67%vs
Telco Community Credit UnionCredit union Candler, NC76 out of 100, Strong$429.3M12.4%1.23%vs
First Flight Federal Credit UnionCredit union Cary, NC71 out of 100, Strong$283.8M11.1%0.66%vs
Members Credit UnionCredit union Winston Salem, NC85 out of 100, Very strong$477.1M14.8%0.82%vs
Carolinas Telco Federal Credit UnionCredit union Charlotte, NC79 out of 100, Strong$506.3M15.1%0.91%vs

Deposit insurance

Is my money safe at Summit Credit Union?

Yes. Summit Credit Union is a federally insured credit union (NCUA charter #63020). 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 11.0% of shares and deposits ($32.9M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 15.44%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Summit Credit Union lists 7 offices in 6 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Summit Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
63020
RSSD ID
101194
Primary regulator
State + NCUA
Established
1935
Headquarters
8210 W Market St, Greensboro, NC 27409
Employees
103

Quick answers

Summit Credit Union: common questions

Is Summit Credit Union NCUA insured?

Yes. Summit Credit Union is a federally insured credit union (NCUA charter #63020). 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 Credit Union's TellerScore?

82 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 Credit Union have?

7 offices as of the latest NCUA data.