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
- 97,655
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
97,655 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | THE SUMMIT |
|---|---|
| Total Assets | $1.5B |
| Members | 97,655 |
| Loans Outstanding | $1.2B |
| Shares & Deposits | $1.3B |
| Net Worth | $166.1M |
| Net Worth Ratio | 11.25% |
| Loan-to-Share Ratio | 89.8% |
| Delinquency Rate | 0.31% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in New York
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View New York RankingsFrequently Asked Questions
THE SUMMIT is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, THE SUMMIT has 97,655 members and a potential membership field of 800,000 people.
THE SUMMIT's reported net worth ratio is 11.25% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or THE SUMMIT. All financial data is for informational purposes only.