# SUMMIT
Madison, WI · NCUA charter 67190 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/summit-67190

Who the members are: state charter, organized 1935. 278,241 members of 1,000,000 potential (27.8% of the field); checking penetration 76% (share draft accounts per 100 members); loans per 100 members 93.

**Verdict on the desk:** this could be *liquidity-tight*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $8.30B |
| Members | 278,241 (3.9% YoY) |
| Full-time staff | 847 |
| Net worth | $851.7M |
| Net worth ratio | 10.3% (p39 of band) |
| ROA (annualized) | 1.14% (p80 of band) |
| Total delinquency | 0.60% (p48 of band) |
| Net charge-offs (annualized) | 0.29% (p23 of band) |
| Loans / shares | 99% (p88 of band) |
| Cash / assets | 8.4% |
| Borrowings / assets | 9.06% |
| Net interest margin | 2.88% (p22 of band) |
| Operating expense / assets | 2.35% (p14 of band) |
| Vehicles % of loans | 13% (p17 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 66% |
| Third-party paper % of net worth | 71% (p31 of band) |
| Vehicle delinquency | 1.07% (p81 of band) |
| Vehicle NCO | 1.47% (p72 of band) |
| Repossessed % of vehicle book | 0.07% (p50 of band) |
| Real estate % of loans | 66% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 115% |
| Core shares % of member funds | 33% |
| Certificates % of member funds | 42% |
| Average share balance | $9,432 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.7M |
| Loans outstanding per 100 members | 93% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $25,580 |
| Loans granted, annualized | $3.05B |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.7M outstanding purchased (0.2% of net worth), $28.6M sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 9.3% year over year.

## Flags firing in the latest filing

- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | leaning on borrowings |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | loans>95% of shares |  |
| 2017-03 | 1 |  | loans>95% of shares |
| 2017-06 | 2 | loans>95% of shares |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling, margin squeeze | loans>95% of shares |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 1 |  | margin squeeze |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | loans>95% of shares |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | net worth falling |  |
| 2023-03 | 2 |  | net worth falling |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | net worth falling |  |
| 2023-12 | 4 | delinquency rising |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 3 |  | net worth falling |
| 2024-09 | 2 |  | delinquency rising |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-15 [Kim Sponem – Wisconsin 275 Most Influential Business Leaders - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMiWEFVX3lxTE1YQnhtNThTWk1Ob0YxYXZGSlJKYTlIeER5OE1DeDQybmZFa1pIVGotV3FDbHB6R0I0RlB0Z0J1alpJUHVXemtIV2ZkZjVyNk9JSWpuT3JWTkc?oc=5) · BizTimes - Milwaukee Business News
- 2026-06-10 [Best Certificates of Deposit (CDs) in Wisconsin for 2026 - moneyrates.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1zT2JPMmJRV3lEZmJMSVdQMVJZc05WZjVsVmU5aGN4LW9KcS1XTTM1V0IwOWdXdVdud1RaRi1BR2ZKX184M3B6am91NHZVZ0FXNFBsTS1uOW43NXFhc1dTNkZfYkNzQ1JG?oc=5) · moneyrates.com
- 2026-06-08 [52 credit union leaders earn CUDE designation in June DE class of 2026 - CUInsight](https://news.google.com/rss/articles/CBMisAFBVV95cUxPMWNHSl9CUXE1aFRCUGtabGttcW45OUVObFFuVTNXbC0zOUtTNURqZGFib2FPZ3VCUnQ1RlRNWjN6MzlUb1dNZUtoZTJ6VV9uZHA3RGIwTEZTeTVpR29rRTFRQ2twVjh5WThPTTRqSG5CZFhCNHZsUkhvS1gtbEdKcjBkTC1aVTh1SUZoX2tWUF83OGxfZHkzUzFieTRWZjJMZVFwNFFQSExndVhoUDU2ag?oc=5) · CUInsight
- 2025-07-05 [Wisconsin credit unions may soon surpass banks in assets, a milestone - The Capital Times](https://news.google.com/rss/articles/CBMi6AFBVV95cUxOMDNoaEpWWFVqUWQ1TC15aHg0RlpSNEVveEdlM1ZROG5fRjdrVEJtRDdKbUY1MHZfNjA2Tl9EbHZwVEI1VkRfeGJ3eWpFRXlfRDRnR3dmOVFxd0pncUlGOFJEbVJrSUFEcjlfTDRJb0ZYMng4dVEzM01MalVLNVVZWEhJZGtRbmtwQWs1dllkQVdYc25BR3h3bjBvODJ1WVNvTTZUaDlHLUN4M0hPWEZkM2tvR0JsT205LXQ4d0lJZ2NESEZvRFU5YW15NGx2RU9fWnIwUkZUcUlubjRId2pGT2JrdjRXZkh3?oc=5) · The Capital Times
- 2023-08-30 [Summit Credit Union enters the Green Bay area with branches in Ashwaubenon, Howard: Streetwise - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQTm5vVU85MjloRHU4bUY2Q2s4RDh5d3ZvWXY2STZtTE9VeHJWMlowTGQ3YWF2Y3AzVmZ3dHRuNEpSWmw4UTlENGVIOG9xdVJfbjFLZ1p3RnBaeGpJUllYWGYxM2JiNmo0ZEZPMzZaUW9kSUFmdllDa1FKXzdjQUhyMHNxaDh1azZ6cWV3azdlVjg2bzVmd1p4U3RvYXdISThmOS1qSnpycm1JYy1aWWRwaDZlWUJTVGNXWEo1YlQxT1VaSFBqTXMwZlV5Uk5BNHNidnh4LXQ3dmxqMk9iYllN?oc=5) · Green Bay Press-Gazette
- 2022-09-27 [Commerce State Bank to officially become Summit Credit Union Saturday - GMToday.com](https://news.google.com/rss/articles/CBMi-AFBVV95cUxQZmRjTUFuM3FxbzdCLTZfY3YxaWJPSV9fWVNjZlRycDZuWTMzTlg3LWhhbkdsZ0ZtejdCTVE1WmlJbG1JUEZPeFlGVXdHRmNVbjFwSnZiZkZnUFhXOG5fYzhVQnpUbjdRV1djeHF0ZlhNel8zT2V5MVJMRkFOaGZZd29IMzFObnZRMVVYWk9CZlRNM2tuNl84VV81dG9fZkhvdlNhQ1JUd2ZhLW1JTlhDTEJFQ3RkZ1E0SllPOHpRT0pVMWx2Mk53Y1BUWm9MdFhNMFJWVFl1MzRvOFZrYUQ1elVpeUtfUnlUMHFiZ3diRkYtZlNfRjlxOQ?oc=5) · GMToday.com
- 2022-10-04 [Summit Credit Union finalizes purchase of Commerce State Bank - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPS2RFUEdQa3g1S2d0b3Jna0RsRnQtalMwNnUxaHZlcUFiWHBJR0JhTXNfLVQ3R2xjaXloeGEwVUJwZ0hKTVhhTHh6bzNnWlRFUDdtejFCVi1CNWV4dFRoYlRiS2Z5c1ZYRi1TS0E4MDItSjJ2MDh6UnZVcVE3d2dPaGV3T0N0MG5KV09RRUFzUkpPeHhETUtvUG1CRUlIam9mRmg3ZEROUmhRbFU?oc=5) · The Business Journals
- 2016-03-17 [Money smarts - Isthmus | Madison, Wisconsin](https://news.google.com/rss/articles/CBMiigFBVV95cUxNX0RjcFpTXzI0WkY3bXJJMlVweGx5dHYtdXhnSHYyZ3lUNkpZSmlNNTBLRUFYbmdZbmh2T2VrN1BuZF9mS1lYeEd0SnZ1bTU1SmRtLW96cVRmWXhPVEMyaDQ1WnI5TlByN3VLcXJqRWtkSzlUUkVmUWtMR2lkZWNkRGoxZ0dra0RxVWc?oc=5) · Isthmus | Madison, Wisconsin

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67190 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/54.json (key "67190", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=67190
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide