THE SUMMIT

Charter #4580 | NY

1B-3B (304 CUs) Mid-Market (380 CUs)
13 1B-3B in NY

THE SUMMIT has 5 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 0.8% in tier
  • + Organic Growth Engine: Top 5.4% in tier
  • + ROA 0.31% above tier average
  • + Strong member growth: 11.6% YoY
  • + Member Growth Rate: Top 3.3% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 2.6% in tier
  • - Indirect Auto Dependency: Bottom 9.2% in tier
  • - Credit Quality Pressure: Bottom 26.0% in tier
  • - Liquidity Strain: Bottom 31.5% in tier
  • - Indirect Auto Concentration (%): Bottom 1.0% in tier
  • - AMR Growth Rate: Bottom 3.3% in tier
  • - Fee Income Per Member: Bottom 7.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 106,075
+11.6% YoY+10.3% QoQ
 +7.4K 98,678
-1.9% YoY
 25,964
+5.4% YoY
 33,089
+6.1% YoY
 62nd in tier
Assets $1.4B
+4.6% YoY-0.3% QoQ
 $-305.0M $1.7B
+0.5% YoY
 $471.3M
+6.4% YoY
 $547.7M
+7.8% YoY
 40th in tier
Loans $1.1B
+0.4% YoY+0.3% QoQ
 $-84.3M $1.2B
+0.5% YoY
 $316.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 54th in tier
Deposits $1.2B
+4.2% YoY-0.9% QoQ
 $-211.4M $1.5B
+1.3% YoY
 $400.0M
+7.6% YoY
 $464.6M
+9.3% YoY
 47th in tier
ROA 1.0%
+19.7% YoY+4.6% QoQ
 +0.3% 0.7%
+13.4% YoY
 0.9%
+294.0% YoY
 0.7%
+273.4% YoY
 Top 21.4% in tier
NIM 3.1%
+11.2% YoY+2.0% QoQ
 -0.1% 3.3%
+9.3% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 37th in tier
Efficiency Ratio 69.4%
-4.0% YoY-0.1% QoQ
 -4.6% 74.0%
-10.9% YoY
 80.1%
-6.2% YoY
 79.1%
-3.3% YoY
 31st in tier
Delinquency Rate 0.3%
+4.1% YoY+13.5% QoQ
 -0.5 0.8%
+6.1% YoY
 1.7%
-8.3% YoY
 1.2%
-0.9% YoY
 Bottom 16.8% in tier
Loan To Share 92.4%
-3.7% YoY+1.3% QoQ
 +7.2% 85.2%
-0.8% YoY
 61.5%
-2.3% YoY
 68.0%
-1.7% YoY
 64th in tier
AMR $22,548
-8.3% YoY-9.6% QoQ
 $-7K $29,172
+2.8% YoY
 $19,040
-21.7% YoY
 $19,418
+1.3% YoY
 Bottom 18.1% in tier
CD Concentration 37.2%
+3.1% YoY+3.3% QoQ
 +8.2% 29.0%
+0.8% YoY
 15.9%
+8.4% YoY
 19.6%
+6.2% YoY
 Top 16.1% in tier
Indirect Auto % 58.7%
-2.2% YoY-1.4% QoQ
 +39.9% 18.8%
-2.8% YoY
 2.6%
-3.7% YoY
 7.9%
-2.9% YoY
 Top 0.8% in tier

Signature Analysis

Strengths (2)

Emerging Performer

growth
#5 of 184 • Top 0.8% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.02%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): 11.61%
(Tier: 3.18%, National: 9.37%)
better than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank improving

Organic Growth Engine

growth
#40 of 246 • Top 5.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 11.61%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 1.02%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 58.69%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Concerns (4)

Shrinking Wallet Share

decline
#9 of 83 • Bottom 2.6% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -8.32%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#58 of 202 • Bottom 9.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 4.55%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 58.69%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 11.61%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#200 of 217 • Bottom 26.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.01% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | New qualifier

Liquidity Strain

risk
#166 of 183 • Bottom 31.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 92.43%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 0.38%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 304 peers in tier

Top Strengths (5 metrics)

11
Member Growth Rate
growth
Value: 11.61%
Peer Avg: 2.20%
#11 of 304 Top 3.3% in 1B-3B tier
48
Net Charge-Off Rate
risk
Value: 0.22%
Peer Avg: 0.60%
#48 of 304 Top 15.5% in 1B-3B tier
48
First Mortgage Concentration (%)
balance_sheet
Value: 19.20%
Peer Avg: 34.01%
#48 of 304 Top 15.5% in 1B-3B tier
52
Total Delinquency Rate (60+ days)
risk
Value: 0.34%
Peer Avg: 0.83%
#52 of 304 Top 16.8% in 1B-3B tier
65
Return on Assets (ROA)
profitability
Value: 1.02%
Peer Avg: 0.70%
#65 of 304 Top 21.1% in 1B-3B tier

Top Weaknesses (5 metrics)

302
Indirect Auto Concentration (%)
balance_sheet
Value: 58.69%
Peer Avg: 18.32%
#302 of 304 Bottom 1.0% in 1B-3B tier
295
AMR Growth Rate
growth
Value: -8.32%
Peer Avg: 3.29%
#295 of 304 Bottom 3.3% in 1B-3B tier
281
Fee Income Per Member
profitability
Value: $122.79
Peer Avg: $210.52
#281 of 304 Bottom 7.9% in 1B-3B tier
264
Share Certificate Concentration (%)
balance_sheet
Value: 37.23%
Peer Avg: 28.53%
#264 of 304 Bottom 13.5% in 1B-3B tier
249
Average Member Relationship (AMR)
engagement
Value: $22,548
Peer Avg: $29,172
#249 of 304 Bottom 18.4% in 1B-3B tier