TellerScore

The Summit Federal Credit Union is a federal credit union headquartered in Rochester, New York, in business for about 85 years. At the end of Q2 2026 it reported $1.5B in total assets and $1.3B in member shares and deposits, with 2 offices.

The Summit Federal Credit Union has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 66% of its 454 credit unions with $1 billion – $10 billion. Among 268 credit unions headquartered in New York, it ranks 121st. Problem-loan coverage contributes the most (95/100, 2.4%); earnings contributes the least (55/100, 0.86%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Net worth ratio: 11.31%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.34%
Earnings55/100
Return on assets (annualized): 0.86%
Funding & liquidity69/100
Loans ÷ shares: 91.7% · 5.6% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.39%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (72 → 72).

TellerScore
687174Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202468
Q3 202469
Q4 202470
Q1 202572
Q2 202572
Q3 202573
Q4 202574
Q1 202673
Q2 202672
Net worth ratio
7.00%9.16%11.31%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202410.25%
Q3 202410.68%
Q4 202410.74%
Q1 202510.77%
Q2 202510.90%
Q3 202511.19%
Q4 202511.25%
Q1 202611.25%
Q2 202611.31%
Delinquent loans (60+ days)
0.24%0.31%0.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.30%
Q3 20240.32%
Q4 20240.38%
Q1 20250.24%
Q2 20250.30%
Q3 20250.34%
Q4 20250.33%
Q1 20260.31%
Q2 20260.34%
Return on assets
0.73%0.90%1.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.73%
Q3 20240.86%
Q4 20240.90%
Q1 20250.99%
Q2 20250.97%
Q3 20251.02%
Q4 20251.07%
Q1 20260.95%
Q2 20260.86%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$1.5B11.31%0.34%0.86%91.7%
Q1 202673$1.5B11.25%0.31%0.95%89.8%
Q4 202574$1.4B11.25%0.33%1.07%90.3%
Q3 202573$1.4B11.19%0.34%1.02%92.4%
Q2 202572$1.4B10.90%0.30%0.97%91.3%
Q1 202572$1.4B10.77%0.24%0.99%90.2%
Q4 202470$1.4B10.74%0.38%0.90%92.8%
Q3 202469$1.4B10.68%0.32%0.86%95.9%
Q2 202468$1.4B10.25%0.30%0.73%93.0%

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 ratio11.31%
59th
Problem loans0.34%
87th
Net charge-offs0.22%
83rd
Return on assets0.86%
55th
Loans to deposits91.7%
38th
Uninsured deposits5.6%
84th
Loan-loss reserves0.00%
50th
Texas ratio2.4%
83rd

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Beginnings Credit UnionCredit union Ithaca, NY77 out of 100, Strong$1.5B14.0%0.69%vs
Quorum Federal Credit UnionCredit union Purchase, NY59 out of 100, Moderate$1.4B9.8%1.74%vs
Island Federal Credit UnionCredit union Hauppauge, NY60 out of 100, Moderate$1.3B10.4%1.10%vs
Mid-Hudson Valley Federal Credit UnionCredit union Kingston, NY69 out of 100, Moderate$1.7B9.9%0.36%vs
Sidney Federal Credit UnionCredit union Sidney, NY67 out of 100, Moderate$1.3B10.5%0.85%vs
Sunmark Credit UnionCredit union Albany, NY56 out of 100, Moderate$1.2B9.5%1.37%vs

Deposit insurance

Is my money safe at The Summit Federal Credit Union?

Yes. The Summit Federal Credit Union is a federally insured credit union (NCUA charter #4580). 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 5.6% of shares and deposits ($73.9M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 11.31%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

The Summit Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
The Summit Federal Credit Union
Type
Federal credit union
NCUA charter #
4580
RSSD ID
656872
Primary regulator
NCUA
Established
1941
Headquarters
100 Marina Dr, Rochester, NY 14626
Employees
271

Quick answers

The Summit Federal Credit Union: common questions

Is The Summit Federal Credit Union NCUA insured?

Yes. The Summit Federal Credit Union is a federally insured credit union (NCUA charter #4580). 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 The Summit 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 The Summit Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Rochester

InstitutionScoreAssetsCapitalProblem loansCompare
Finger Lakes Federal Credit UnionCredit union Geneva, NY96 out of 100, Very strong$259.5M15.1%0.10%vs
ESL Federal Credit UnionCredit union Rochester, NY90 out of 100, Very strong$10.8B16.4%0.90%vs
Le Roy Federal Credit UnionCredit union Le Roy, NY86 out of 100, Very strong$21.1M11.4%0.37%vs
Westside Community Federal Credit UnionCredit union Churchville, NY84 out of 100, Strong$25.7M11.0%0.00%vs
Greece Community Federal Credit UnionCredit union Rochester, NY83 out of 100, Strong$13.0M12.3%0.05%vs
Genesee Co-Op Federal Credit UnionCredit union Rochester, NY78 out of 100, Strong$47.5M23.4%1.55%vs