SUMMIT
Charter #67190 · Madison, WI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 2.90% sits at the 92nd 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 | $8.30B | 90th pct | 89th pct |
| Members | 278,241 | 83th pct | 70th pct |
| Net worth ratio | 10.26% | 38th pct | 39th pct |
| Return on average assets | 1.16% | 80th pct | 74th pct |
| Net interest margin | 2.92% | 23th pct | 36th pct |
| Cost of funds | 2.90% | 94th pct | 92th pct |
| Loan-to-share | 99.32% | 88th pct | 80th pct |
| Delinquency 60+ days | 0.60% | 47th pct | 57th pct |
| Net charge-off ratio | 0.29% | 22th pct | 26th pct |
| Loan growth YoY | 5.18% | 83th pct | 89th pct |
| Share growth YoY | 4.55% | 58th pct | 56th pct |
| Efficiency ratio | 62.68% | 18th pct | 26th pct |
structural peer set hash: ee70d9a2a4a49ff5efeaf0074f41608b… (reproducible)
Closest structural peers
This is the free public view
Claim 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.