THE SUMMIT
Federal • ROCHESTER, New York • Est. 1941
Quick Facts
- Charter Number
- #4580
- Type
- Federal
- Established
- 1941
- Headquarters
- ROCHESTER, New York 14626-5104
- Address
- 100 MARINA DR
- Branches
- 15
- ATMs
- 12
- Members
- 96,919
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
96,919 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | THE SUMMIT |
|---|---|
| Total Assets | $1.4B |
| Members | 96,919 |
| Loans Outstanding | $1.1B |
| Shares & Deposits | $1.3B |
| Net Worth | $162.6M |
| Net Worth Ratio | 11.25% |
| Loan-to-Share Ratio | 90.3% |
| Delinquency Rate | 0.33% |
| Net Income | +$18,166,299 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
15 locations · 12 ATMs
The Summit FCU
Main Office100 MARINA DR
ROCHESTER, NY 14626-5104
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
Who Can Join THE SUMMIT?
Membership Type: Community
Membership eligibility for THE SUMMIT may vary. Contact the credit union directly to confirm qualification requirements.
Contact THE SUMMIT directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View New York RankingsFrequently Asked Questions
Yes. THE SUMMIT is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, THE SUMMIT has 96,919 members and a potential membership field of 800,000 people.
THE SUMMIT's net worth ratio is 11.25% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.3%, THE SUMMIT meets this threshold.
THE SUMMIT operates 15 branch locations and has access to 12 ATMs. The main office is located at 100 MARINA DR, ROCHESTER, NY 14626-5104.
THE SUMMIT was established in 1941. It is a federal credit union chartered under charter number 4580. The institution has been serving members for 85 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or THE SUMMIT. All financial data is for informational purposes only.