SUMMIT

Charter #63020 | NC

100M-500M (1077 CUs) Micro
12 100M-500M in NC

SUMMIT has 6 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 1.1% in tier
  • + Organic Growth Engine: Top 9.2% in tier
  • + Net Interest Margin 0.85% above tier average
  • + Strong member growth: 17.0% YoY
  • + Member Growth Rate: Top 2.3% in tier
  • + Total Members: Top 2.3% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 2.1% in tier
  • - Liquidity Overhang: Bottom 16.4% in tier
  • - ROA 0.27% below tier average
  • - AMR Growth Rate: Bottom 1.9% in tier
  • - Average Member Relationship (AMR): Bottom 6.7% in tier
  • - Net Charge-Off Rate: Bottom 8.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Members 37,582
+17.0% YoY+19.0% QoQ
 +22.0K 15,628
-3.4% YoY
 91,841
+6.6% YoY
 33,089
+6.1% YoY
 Top 2.4% in tier
Assets $362.0M
+5.0% YoY-0.1% QoQ
 +$130.7M $231.3M
-0.0% YoY
 $1.5B
+5.5% YoY
 $547.7M
+7.8% YoY
 Top 15.9% in tier
Loans $232.8M
+3.3% YoY+0.1% QoQ
 +$85.0M $147.8M
-1.4% YoY
 $1.1B
+9.9% YoY
 $388.7M
+8.6% YoY
 Top 17.4% in tier
Deposits $294.0M
+4.4% YoY-0.3% QoQ
 +$93.7M $200.3M
-0.0% YoY
 $1.3B
+12.1% YoY
 $464.6M
+9.3% YoY
 Top 19.5% in tier
ROA 0.5%
-49.1% YoY-12.7% QoQ
 -0.3% 0.8%
+15.5% YoY
 0.4%
-19.0% YoY
 0.7%
+273.4% YoY
 33rd in tier
NIM 4.4%
+3.8% YoY-0.6% QoQ
 +0.9% 3.6%
+6.9% YoY
 4.1%
+4.0% YoY
 3.7%
+5.0% YoY
 Top 11.1% in tier
Efficiency Ratio 76.5%
-1.0% YoY+0.3% QoQ
 -0.7% 77.3%
-3.0% YoY
 81.5%
-1.2% YoY
 79.1%
-3.3% YoY
 48th in tier
Delinquency Rate 0.6%
-32.2% YoY-16.0% QoQ
 -0.2 0.9%
+7.6% YoY
 1.5%
+2.4% YoY
 1.2%
-0.9% YoY
 47th in tier
Loan To Share 79.2%
-1.1% YoY+0.3% QoQ
 +6.5% 72.7%
-1.5% YoY
 76.3%
+1.1% YoY
 68.0%
-1.7% YoY
 61st in tier
AMR $14,017
-11.2% YoY-16.0% QoQ
 $-10K $24,363
+2.9% YoY
 $17,441
+4.0% YoY
 $19,418
+1.3% YoY
 Bottom 6.6% in tier
CD Concentration 17.5%
+11.1% YoY+3.2% QoQ
 -6.9% 24.4%
+4.2% YoY
 20.6%
+2.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.1%
-56.9% YoY-17.7% QoQ
 -13.9% 14.0%
-5.8% YoY
 5.3%
-2.9% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#16 of 430 • Top 1.1% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 17.01%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Organic Growth Engine

growth
#169 of 603 • Top 9.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 17.01%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.51%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.08%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Concerns (2)

Shrinking Wallet Share

decline
#22 of 244 • Bottom 2.1% in tier

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

Why This Signature
AMR Growth (YoY): -11.23%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Liquidity Overhang

risk
#255 of 552 • Bottom 16.4% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 14.96%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 79.20%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 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 1077 peers in tier

Top Strengths (7 metrics)

26
Member Growth Rate
growth
Value: 17.01%
Peer Avg: 0.72%
#26 of 1077 Top 2.3% in 100M-500M tier
26
Total Members
engagement
Value: 37,582
Peer Avg: 15,628
#26 of 1077 Top 2.3% in 100M-500M tier
120
Net Interest Margin (NIM)
profitability
Value: 4.44%
Peer Avg: 3.58%
#120 of 1077 Top 11.0% in 100M-500M tier
166
Net Worth Ratio
risk
Value: 14.96%
Peer Avg: 12.15%
#166 of 1077 Top 15.3% in 100M-500M tier
171
Total Assets
balance_sheet
Value: $361.99M
Peer Avg: $231.30M
#171 of 1077 Top 15.8% in 100M-500M tier
187
Total Loans
balance_sheet
Value: $232.81M
Peer Avg: $147.80M
#187 of 1077 Top 17.3% in 100M-500M tier
210
Total Deposits
balance_sheet
Value: $293.96M
Peer Avg: $200.29M
#210 of 1077 Top 19.4% in 100M-500M tier

Top Weaknesses (4 metrics)

1058
AMR Growth Rate
growth
Value: -11.23%
Peer Avg: 3.64%
#1058 of 1077 Bottom 1.9% in 100M-500M tier
1006
Average Member Relationship (AMR)
engagement
Value: $14,017
Peer Avg: $24,363
#1006 of 1077 Bottom 6.7% in 100M-500M tier
986
Net Charge-Off Rate
risk
Value: 1.07%
Peer Avg: 0.47%
#986 of 1077 Bottom 8.5% in 100M-500M tier
913
Loan-to-Member Ratio (LMR)
engagement
Value: $6,195
Peer Avg: $10,245
#913 of 1077 Bottom 15.3% in 100M-500M tier