SUMMIT

Charter #67190 | WI

7B-10B (30 CUs) Large ($5B-$10B) (64 CUs)

2 7B-10B in WI

5 Large in WI

SUMMIT has 7 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 8.5% in tier
+ Organic Growth Engine: Top 9.5% in tier
+ Wallet Share Momentum: Top 15.4% in tier
+ Organic Growth Leader: Top 16.9% in tier
+ ROA 0.14% above tier average
+ Average Member Relationship (AMR): Top 6.7% in tier
+ Loan-to-Member Ratio (LMR): Top 6.7% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 7.1% in tier
- Growth-at-Risk: Bottom 9.3% in tier
- Credit Quality Pressure: Bottom 10.7% in tier
- Delinquency rate 0.14% above tier average
- Members Per Employee (MPE): Bottom 10.0% in tier
- Total Members: Bottom 10.0% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	273,364 +3.3% YoY+1.0% QoQ	-185.9K	459,296 +3.8% YoY	38,719 +8.7% YoY	33,089 +6.1% YoY	Bottom 6.7% in tier
Assets	$8.0B +6.5% YoY+2.1% QoQ	$-962.7M	$8.9B +1.2% YoY	$717.4M +12.8% YoY	$547.7M +7.8% YoY	Bottom 10.0% in tier
Loans	$6.3B +8.4% YoY+2.2% QoQ	$-45.8M	$6.3B +2.9% YoY	$555.6M +13.3% YoY	$388.7M +8.6% YoY	43rd in tier
Deposits	$6.4B +7.9% YoY+2.2% QoQ	$-1.1B	$7.5B +2.3% YoY	$603.1M +13.2% YoY	$464.6M +9.3% YoY	Bottom 10.0% in tier
ROA	1.2% +67.8% YoY+7.6% QoQ	+0.1%	1.0% +22.1% YoY	0.7% -20.1% YoY	0.7% +273.4% YoY	60th in tier
NIM	2.9% +6.6% YoY+1.2% QoQ	-0.1%	3.0% +11.5% YoY	3.5% -0.2% YoY	3.7% +5.0% YoY	40th in tier
Efficiency Ratio	60.6% -2.1% YoY-1.9% QoQ	-3.1%	63.7% -2.2% YoY	74.2% -2.5% YoY	79.1% -3.3% YoY	37th in tier
Delinquency Rate	0.8% +17.5% YoY-2.4% QoQ	+0.1	0.7% +10.8% YoY	1.0% +20.8% YoY	1.2% -0.9% YoY	57th in tier
Loan To Share	98.7% +0.4% YoY+0.0% QoQ	+13.3%	85.4% +0.7% YoY	80.3% +0.1% YoY	68.0% -1.7% YoY	Top 23.3% in tier
AMR	$46,357 +4.8% YoY+1.2% QoQ	+$13K	$33,660 -2.9% YoY	$22,950 +4.4% YoY	$19,418 +1.3% YoY	Top 10.0% in tier
CD Concentration	41.9% +5.2% YoY+0.9% QoQ	+13.0%	28.9% -1.3% YoY	21.1% +6.2% YoY	19.6% +6.2% YoY	Top 9.4% in tier
Indirect Auto %	9.0% +0.6% YoY-0.1% QoQ	-7.6%	16.6% -10.3% YoY	8.1% -7.1% YoY	7.9% -2.9% YoY	30th in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth

#11 of 46 • Top 8.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature

AMR Growth (YoY): 4.76%

(Tier: 2.82%, National: 4.19%)

better than tier avg

Share Draft per Member: $3.9K

(Tier: $3.2K, National: $2.0K)

better than tier avg

46 of 64 Large CUs have this signature | 1330 nationally

↑ Growing +18 CUs YoY

Organic Growth Engine

growth

#15 of 50 • Top 9.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.25%

(Tier: 3.07%, National: 9.37%)

better than tier avg

Return on Assets: 1.18%

(Tier: 0.91%, National: 0.71%)

better than tier avg

Indirect Auto %: 9.01%

(Tier: 16.60%, National: 7.90%)

better than tier avg

50 of 64 Large CUs have this signature | 917 nationally

→ Stable (52→50 CUs) -2 CUs YoY | Rank improving

Wallet Share Momentum

growth

#19 of 46 • Top 15.4% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature

AMR Growth (YoY): 4.76%

(Tier: 2.82%, National: 4.19%)

better than tier avg

46 of 64 Large CUs have this signature | 1330 nationally

↑ Growing +18 CUs YoY | Rank worsening

Organic Growth Leader

growth

#15 of 28 • Top 16.9% in tier

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

Why This Signature

Member Growth (YoY): 3.25%

(Tier: 3.07%, National: 9.37%)

better than tier avg

28 of 64 Large CUs have this signature | 608 nationally

→ Stable (28→28 CUs) | Rank worsening

Concerns (3)

Liquidity Strain

risk

#7 of 32 • Bottom 7.1% in tier

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

Why This Signature

Loan-to-Share Ratio: 98.72%

(Tier: 84.48%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 8.38%

(Tier: 4.99%, National: 36.38%)

but better than tier avg

32 of 64 Large CUs have this signature | 484 nationally

→ Stable (27→32 CUs) +5 CUs YoY | Rank improving

Growth-at-Risk

risk

#10 of 25 • Bottom 9.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 8.38%

(Tier: 4.99%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.12% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

25 of 64 Large CUs have this signature | 646 nationally

↓ Shrinking -13 CUs YoY | Rank improving

Credit Quality Pressure

risk

#14 of 34 • Bottom 10.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.12% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

34 of 64 Large CUs have this signature | 1002 nationally

↓ Shrinking -17 CUs YoY | Rank improving

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)

Compare against:

Comparing against 30 peers in tier

Top Strengths (10 metrics)

Average Member Relationship (AMR)

engagement

Value: $46,357

Peer Avg: $33,660

#3 of 30 Top 6.7% in 7B-10B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $23,029

Peer Avg: $15,544

#3 of 30 Top 6.7% in 7B-10B tier

Fee Income Per Member

profitability

Value: $250.89

Peer Avg: $199.46

#6 of 30 Top 16.7% in 7B-10B tier

Deposit Growth Rate

growth

Value: 7.94%

Peer Avg: 4.48%

#6 of 30 Top 16.7% in 7B-10B tier

Asset Growth Rate

growth

Value: 6.53%

Peer Avg: 2.91%