Charter 4580 · Rochester, NY
The Summit Federal Credit Union
The Summit Federal Credit Union is a federally chartered credit union in Rochester, New York, with $1.50 billion in assets and 98,362 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 11.31%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $1.50 billion
- +5.4% in a year
- Members
- 98,362
- +2.3% in a year
- Net worth ratio
- 11.31%
- Peer median 10.79%
- Loans 60+ days late
- 0.34%
- Peer median 0.67%
- Loans outstanding
- $1.20 billion
- +5.0% in a year
- Shares and deposits
- $1.31 billion
- +4.4% in a year
- Branches
- 15
- 271 employees
- Opened
- 1941
- Federal charter
How The Summit Federal Credit Union compares
NCUA groups credit unions by size; The Summit Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 11.31% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.34%, is lower than the group median of 0.67%. Loans grew 5.0% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 19 of 268 credit unions headquartered in New York. See all New York credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $1.50 billion | 98,362 | $1.20 billion | 11.31% | 0.34% |
| Q1 2026 | $1.48 billion | 97,655 | $1.16 billion | 11.25% | 0.31% |
| Q4 2025 | $1.45 billion | 96,919 | $1.14 billion | 11.25% | 0.33% |
| Q3 2025 | $1.41 billion | 106,075 | $1.15 billion | 11.19% | 0.34% |
| Q2 2025 | $1.42 billion | 96,176 | $1.14 billion | 10.90% | 0.30% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 800,000 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 15 sites for The Summit Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- The Summit FCU (main office)
100 Marina Dr, Rochester, NY 14626 - PENFIELD
2146 Penfield Rd, Penfield, NY 14526 - SENECA FALLS
123 Fall St, Seneca Falls, NY 13148 - HILTON
41 Hovey St, Hilton, NY 14468 - IRONDEQUOIT
2121 Hudson Ave, Rochester, NY 14617 - DELAWARE
2290 Delaware Ave Ste 100, Buffalo, NY 14216 - HENRIETTA
2087 E Henrietta Rd, Rochester, NY 14623 - BRIGHTON
1660 Monroe Ave, Rochester, NY 14618 - GREECE
100 Marina Dr, Rochester, NY 14626 - CLARENCE
5641 Transit Rd, East Amherst, NY 14051 - ERIE
1400 Erie Blvd E, Syracuse, NY 13210 - CORTLAND
877 State Route 13, Cortland, NY 13045 - City of Rochester
2315 E Main St, Rochester, NY 14609 - Perinton Branch
665 Moseley Rd, Fairport, NY 14450 - Taft Rd
5201 W Taft Rd, North Syracuse, NY 13212
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology