TellerScore

Summit Credit Union is a federally insured state-chartered credit union headquartered in Madison, Wisconsin, in business for about 91 years. At the end of Q2 2026 it reported $8.5B in total assets and $6.9B in member shares and deposits, with 34 offices.

Summit Credit Union has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 47% of its 454 credit unions with $1 billion – $10 billion. Among 98 credit unions headquartered in Wisconsin, it ranks 70th. Problem-loan coverage contributes the most (89/100, 5.3%); capital cushion contributes the least (53/100, 10.34%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Net worth ratio: 10.34%
Loan quality78/100
Loans 60+ days delinquent ÷ total loans: 0.65%
Earnings70/100
Return on assets (annualized): 1.26%
Funding & liquidity59/100
Loans ÷ shares: 100.9% · 15.5% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.34%

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 4 points (63 → 67), mostly because the earnings component improved by 7 points.

TellerScore
606467Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202460
Q4 202462
Q1 202565
Q2 202563
Q3 202565
Q4 202566
Q1 202667
Q2 202667
Net worth ratio
7.00%8.67%10.34%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.49%
Q3 20249.47%
Q4 20249.75%
Q1 20259.80%
Q2 20259.88%
Q3 202510.01%
Q4 202510.23%
Q1 202610.26%
Q2 202610.34%
Delinquent loans (60+ days)
0.58%0.71%0.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.73%
Q3 20240.70%
Q4 20240.64%
Q1 20250.58%
Q2 20250.84%
Q3 20250.82%
Q4 20250.73%
Q1 20260.60%
Q2 20260.65%
Return on assets
0.66%0.96%1.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.66%
Q3 20240.69%
Q4 20240.78%
Q1 20250.98%
Q2 20251.08%
Q3 20251.16%
Q4 20251.24%
Q1 20261.14%
Q2 20261.26%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$8.5B10.34%0.65%1.26%100.9%
Q1 202667$8.3B10.26%0.60%1.14%99.3%
Q4 202566$8.1B10.23%0.73%1.24%100.1%
Q3 202565$8.0B10.01%0.82%1.16%98.7%
Q2 202563$7.8B9.88%0.84%1.08%98.7%
Q1 202565$7.6B9.80%0.58%0.98%98.7%
Q4 202462$7.5B9.75%0.64%0.78%101.0%
Q3 202460$7.5B9.47%0.70%0.69%98.3%
Q2 202460$7.3B9.49%0.73%0.66%99.4%

454 peers · $1 billion – $10 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 ratio10.34%
36th
Problem loans0.65%
52nd
Net charge-offs0.27%
79th
Return on assets1.26%
83rd
Loans to deposits100.9%
12th
Uninsured deposits15.5%
13th
Loan-loss reserves0.00%
50th
Texas ratio5.3%
43rd

Similar-size credit unions in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Landmark Credit UnionCredit union Brookfield, WI70 out of 100, Strong$7.9B10.7%0.42%vs
Community First Credit UnionCredit union Appleton, WI84 out of 100, Strong$6.8B12.8%0.14%vs
University of Wisconsin Credit UnionCredit union Madison, WI68 out of 100, Moderate$6.7B9.2%0.48%vs
Royal Credit UnionCredit union Eau Claire, WI73 out of 100, Strong$5.9B10.8%0.43%vs
Covantage Credit UnionCredit union Antigo, WI59 out of 100, Moderate$4.2B9.8%1.28%vs
Connexus Credit UnionCredit union Wausau, WI37 out of 100, Low$4.1B7.4%1.89%vs

Deposit insurance

Is my money safe at Summit Credit Union?

Yes. Summit Credit Union is a federally insured credit union (NCUA charter #67190). 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 15.5% of shares and deposits ($1.1B) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 10.34%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

34 locations

Branches

Summit Credit Union lists 34 offices in 22 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 #
67190
RSSD ID
734499
Primary regulator
State + NCUA
Established
1935
Headquarters
PO Box 8046, Madison, WI 53708
Employees
938

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 #67190). 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?

67 out of 100 (Moderate), 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?

34 offices as of the latest NCUA data.