SUMMIT
Charter #63020 · Greensboro, NC · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 30,746 ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 15.16% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.53% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.14% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.19% sits at the 89th percentile of structural peers — worth a closer look.
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 | SUMMIT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $369.39M | 85th pct | 72th pct |
| Members | 30,746 | 94th pct | 89th pct |
| Net worth ratio | 15.16% | 86th pct | 84th pct |
| Return on average assets | 0.80% | 57th pct | 61th pct |
| Net interest margin | 4.53% | 90th pct | 90th pct |
| Cost of funds | 0.14% | 8th pct | 15th pct |
| Loan-to-share | 77.56% | 62th pct | 48th pct |
| Delinquency 60+ days | 1.19% | 83th pct | 89th pct |
| Net charge-off ratio | 1.14% | 92th pct | 92th pct |
| Loan growth YoY | -0.09% | 47th pct | 49th pct |
| Share growth YoY | 2.02% | 28th pct | 30th pct |
| Efficiency ratio | 69.48% | 23th pct | 10th pct |
structural peer set hash: c781f1c358dab15b7d5892ea768b666e… (reproducible)
Closest structural peers
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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.