THE SUMMIT Credit Union Profile

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THE SUMMIT

Charter #4580 | NCUA Region 1 | FCU

Low-Income Designation: No

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (585) 453-7000

Fax: (585) 453-7039

Founding Date: N/A

Website: http://WWW.SUMMITFCU.ORG

Personnel & Operations

President: MODESTI, CHRISTIAN

Manager: Baker, Laurie

FT Employees: 257

PT Employees: 5

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 53

Branches: 15

Hours: 8:00 AM - 5:00 PM MON-FRI

Credit Union Profile Summary

THE SUMMIT is a FCU Credit Union. With a total of 96,176 members ^[1], this institution manages approximately $1,418,624,029 in total assets ^[1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 10.9% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 1.20% ^[1].

Financial Snapshot

Total Assets ^[1]

$1,418,624,029

Total economic resources.

Total Loans ^[1]

$1,144,983,248

Total value of outstanding loans.

Total Deposits ^[1]

$1,254,723,979

Total funds deposited by members.

Members ^[1]

96,176

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

10.9%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

0.98%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

91.25%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 3.15%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↑ 1.20%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↑ 1.23%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

100 MARINA DR

ROCHESTER, NY, 14626-5104

Open in Google Maps

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 15 branches reported by THE SUMMIT (Charter #4580).

Main Office

The Summit FCU Main Office

Type: Corporate Office

100 MARINA DR

Rochester, NY 14626-5104

Phone: (585) 453-7000

Services: Member Services

THE SUMMIT Credit Union Profile

THE SUMMIT

Headquarters Contact & Staff

Credit Union Profile Summary

Financial Snapshot

Performance Ratios

Four-Quarter Growth

Headquarters Location & Map

Headquarters Address

Member Ratings & Reviews

Rate This Credit Union

Branch Locations

Main Office

The Summit FCU Main Office

Additional Branches

Buffalo

Cortland

East Amherst

Fairport

Hilton

North Syracuse

Penfield

Rochester

Seneca Falls

Syracuse