THE SUMMIT
Charter #4580 · ROCHESTER, NY · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.07% sits at the 18th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.31% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.27% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 29th percentile but its structural peers at the 72nd — a 44-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | THE SUMMIT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.48B | 29th pct | 72th pct |
| Members | 97,655 | 40th pct | 69th pct |
| Net worth ratio | 11.25% | 60th pct | 56th pct |
| Return on average assets | 0.96% | 70th pct | 57th pct |
| Net interest margin | 3.07% | 34th pct | 18th pct |
| Cost of funds | 1.92% | 56th pct | 67th pct |
| Loan-to-share | 89.84% | 60th pct | 61th pct |
| Delinquency 60+ days | 0.31% | 15th pct | 21th pct |
| Net charge-off ratio | 0.27% | 20th pct | 15th pct |
| Loan growth YoY | 1.34% | 43th pct | 33th pct |
| Share growth YoY | 4.25% | 54th pct | 44th pct |
| Efficiency ratio | 67.71% | 32th pct | 28th pct |
structural peer set hash: ebb24888a924ea0a446bc39a3e623e02… (reproducible)
Closest structural peers
This is the free public view
Claim THE SUMMIT
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.