# SUMMIT
Akron, OH · NCUA charter 7182 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/summit-7182

Who the members are: federal charter, multiple common bond, organized 1951, low-income designated. 4,628 members of 23,047 potential (20.1% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 38.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $59.7M |
| Members | 4,628 (-2.2% YoY) |
| Full-time staff | 16 |
| Net worth | $9.1M |
| Net worth ratio | 15.2% (p71 of band) |
| ROA (annualized) | 0.84% (p59 of band) |
| Total delinquency | 0.41% (p38 of band) |
| Net charge-offs (annualized) | 0.05% (p25 of band) |
| Loans / shares | 62% (p52 of band) |
| Cash / assets | 40.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.59% (p47 of band) |
| Operating expense / assets | 3.53% (p49 of band) |
| Vehicles % of loans | 37% (p41 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p54 of band) |
| Vehicle delinquency | 0.31% (p33 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.04% (p79 of band) |
| Real estate % of loans | 52% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 76% |
| Certificates % of member funds | 16% |
| Average share balance | $5,641 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.3M |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $17,691 |
| Loans granted, annualized | $9.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.3M outstanding purchased (14.5% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 1.4% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | delinquency rising |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | net worth falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | delinquency rising |
| 2018-12 | 1 | assets shrinking |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | assets shrinking |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | net worth falling, margin squeeze |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 4 | net worth falling, losing money, delinquency rising |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 4 | loan book shrinking | net worth falling |
| 2021-12 | 0 |  | margin squeeze, losing money, delinquency rising, loan book shrinking |
| 2022-03 | 2 | net worth falling, losing money |  |
| 2022-06 | 1 | delinquency rising | net worth falling, losing money |
| 2022-09 | 0 |  | delinquency rising |
| 2022-12 | 1 | delinquency rising |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 0 |  | delinquency rising |
| 2023-09 | 2 | delinquency rising, assets shrinking |  |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 | delinquency rising | assets shrinking |
| 2024-09 | 1 | assets shrinking | delinquency rising |
| 2024-12 | 1 | delinquency rising | assets shrinking |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | delinquency rising |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-03-11 [Northeast Ohio’s largest credit union splashes into Rubber City - Crain's Cleveland](https://news.google.com/rss/articles/CBMilwFBVV95cUxQdUlpdnJvTnRNeEhpUHJMbDNhX2ZfbU95RF81VHg0aEdGbjZNdXFhZzJyajRwS1RhSTFHcEF1Z3VVcmcwSjAyVWZYaGY0dGNmcUNPN2FCRWwtTU00UVBvS1FJNFZGOUVIbnoxTl92ZlBGdE14N2htek13LUVkQ0JhUlRTVmZQbEJNaWlJbDd0TmphVHVGVG1J?oc=5) · Crain's Cleveland
- 2026-07-13 [Former Stow mattress store will become 7 17 Credit Union branch - Akron Beacon Journal](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNN2xYUDQ4eklrQXJGYTdteDN1OFN0eXlIR2FCS2xDN1J0R045SndxY25WaDlHbG1HOVRFeTJDZHN3UUlQWmJfa1FmS1YtNXZhZXM3ZXpNbXpqU2VhRmFUZFlsdFpHRlRGeGZkYlFkRDZZVHpnaHJwZ3VGVnF5THc1N0lMRk9SSmNFbFcyMjFUQ29wY3lFUHdkTVdiVTVRVEdnQ18xcUVmY1BDeHdPWS1sVGJCTlpIVXF3WUdFblZWU3VLTUhMcjBaTmVmdlJVU2U0NTVZUVhnSHU3THhIX3c?oc=5) · Akron Beacon Journal
- 2026-03-09 [717 Expanding into Summit County with Akron Branches - Business Journal Daily](https://news.google.com/rss/articles/CBMijwFBVV95cUxPVHpLellENUNCeFRrR2dNNXpQd3U2VmFhZHlKbWVJOXUxS2hxNzBoNmxtcDNuRVVMS0M5OXI0Y1hodm40SnFrYlJTQkFmV3J6Sk5HMFZ5dnA5MDVkdDFlamlZUmZ3NkN2TGRLZE03RlA3M3U2a1Yxc3NqRVg3N3NDMlFMNy1zQkdXUkNhVjdHRQ?oc=5) · Business Journal Daily
- 2026-03-20 [Mahoning Valley-based credit union expanding into Summit County - WFMJ](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNb3hldVhjSmhfRWM5QnVmSWY3b1V1NDViSmJWU1NNTUZ6aWw0VVRWTXhtay05UmQtOUpLQmMxZzR6dVFLYlMzWDNpdmVmcjQzYnVQN3VSSFBfbTh0MndVYkpxZmNjQVBtT3J5QmZKZHcya3NCWDVxcHFfWkkyd3AzQkQ3bTRodlp2T05LbWp3NjJLc3BSR2lZWjNtOWQxcHk1OTY3UEF0WGM5dDBBQkVVNnBZMWdJbUNVbDV2QVRyLVZwc01MbWlRV2tTMjFMcXdiVHhzcFFmMUFVTFk?oc=5) · WFMJ
- 2026-04-28 [Canton-area credit unions make case for continued federal funding - Canton Repository](https://news.google.com/rss/articles/CBMivAFBVV95cUxOaXBwc1dSQXNJMmhmOGtKUEp5c0JSU2tnckdZYXRZdndoVThpX01wYlhuVThvVGVuZS1YOFpCM0xDUHppMFQwQ1o0bURvbnU1SC1saTJPN1BiZk5ucDQ5eFN6clBzLW9VNDVhZ2haaWlSZEFIUlRwdmE3VVF4empFcVBvUlZJamZ2NHV4MTlWZmdDS2Q1WUQ1NTAxSURzNmc5QjI4bVAxYnFHbXFwVHJjNlVLTWhPdjFHVjFsRw?oc=5) · Canton Repository
- 2026-07-10 [Black Mental Health Summit in West Chester aims to break stigma, connect community with resources - WCPO 9 Cincinnati](https://news.google.com/rss/articles/CBMi5gFBVV95cUxOTHNpNjI0NVBGeHFtcFhoSUk3b0xGQzB1VzExUkRvMFJkdTJjeVJkLXFsbjBIRGpEWmpydkh6WExrMzNIVFNoSS04Rjh0TGpNV1d1VUc1eW9wVmJ4V3FjWlNyYnJzNzNma3hSclJLenpXXzF6bl9ZYWpWRGxhVGJlaHJCbXduTzh6QTZLZFExQlpUVTRsamQ4Mk4tRlhIZXJkMG1ka2Mzc2Z4QW9CZm4tSUxpUU5OUlhnTkNVZWV4dU9XLWFqVFdqT3pMZWpBcmNTTG03a0xTV21hLVpsYWkwNEQ3SGhNQQ?oc=5) · WCPO 9 Cincinnati
- 2026-06-19 [Celebrating Cincinnati's high school baseball season through photos - Cincinnati Enquirer](https://news.google.com/rss/articles/CBMi6wFBVV95cUxNdDVCbno4bTIza255Y1EyOXR1NXVWYURFanpjSERPTzc1Z0NubW9TVkFOeWNKd2tiVzYzUjJSY1ZOcG9oSnpxaVlvYUpqTllKZjVPcHZNTnplN1d5VFFfdTdBRXZEeGhja053alVQQ3JXV2ZnR2tMMDVPVmdxc3NpWVdKNFFGQkF0cDhRQ3Q4LVZ0WEZPUkVNTEFoSUthTGFkMzdLTXpHMGlWb0U0bmZRdWNKVENyc2tpWFZIRGVsdXB4QlZ0QXk0WHlXV2UwSWw3THZNMFdZUEhuTWVDbTRIc0FlSTlCS1kzdmZn?oc=5) · Cincinnati Enquirer
- 2025-07-31 [$50 million committed to Akron area toward new affordable housing - Signal Akron](https://news.google.com/rss/articles/CBMizAFBVV95cUxPVVpPTHFBaGxTX0RyQlAwZ2xCTUR5elZMMzYyYjQ1V3F6dzk5QkFmNTBsOVliSWNlQWc1LUFwaVhYc2tadndrU1llc2V1Y0Q5eGhEbURBNXJ0ckF4d1RvbG50ZG9tYXRrWGFpNnVxcXVqemFoZ21JVE5LdTBJaEFxYU9JTFhYdWdEOEdQVDhDd0tIdzVRek9zbVRCNmZ4NVl1OVlzaUk3dlBna3FjX0NSZFZkQXUxczVvU0RHUTdjNi1paVlGT2d1aDNtNjI?oc=5) · Signal Akron

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7182 (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/14.json (key "7182", 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=7182
- 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