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The Lender Report built this page from public records. Summit Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Summit Credit Union itself. Each figure shows its source and date. Work at Summit Credit Union? You can claim this page for free.

Credit union, Madison, WI

Summit Credit Union, Madison, WI

A credit union based in Madison, WI. Its commercial book is led by owner-occupied CRE and multifamily. Public files show recent multifamily, 1-4 unit investor, SBA 7(a), SBA 504 and real-estate-secured commercial loans it made.

Kind
Credit union
Data as of
June 30, 2026
Page last changed
November 12, 2026
Commercial book
$1.04B
NCUA 5300,
Holds, not loans made
Commercial loans made, H1 2026
127
NCUA 5300,
Real-estate-secured
SBA loans, 36 months
104
SBA FOIA,
7(a) and 504, net of cancelled
Total assets
$8.52B
NCUA 5300,
Its recorded loans How to reach them Report an error
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How to reach them

Each line shows where it came from

Phone
608-243-5000 From the NCUA record, June 30, 2026.
Website
www.summitcreditunion.comFrom the NCUA record, November 9, 2026.
Names it files under
SUMMIT; Summit CUNCUA 5300,
Address
PO Box 8046, Madison, WI 53708NCUA 5300,
Regulator record
NCUA profile

You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union.

Recently done

Recorded lending

Recorded lending. Two or more public files show loans this lender made.

What changed. Summit Credit Union originated 35 multifamily loans in 2025, versus 23 in 2024. HMDA,

What the public record shows, newest first
WhenWhat the record showsSource
Oct 2023 to Sep 2026 SBA 7(a) approvals by processing method: 38 SBA Express.SBA ProcessingMethod field, net of cancellations. SBA FOIA,
Jun 2025 to Jun 2026 Owner-occupied CRE balance rose 10.8% to $313.7M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. NCUA 5300
Jun 2025 to Jun 2026 Multifamily balance rose 26.2% to $271.1M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. NCUA 5300

Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.

Summit Credit UnionNewest first
PeriodPlaceLoanAmountRateTermLTVSource
Sep 2026WisconsinSBA 7(a), Professional, Scientific, and Technical Services$1M6.75%10 yrSBA FOIA
Sep 2026WisconsinSBA 7(a), Full-Service Restaurants$810K8.75%10 yrSBA FOIA
Sep 2026WisconsinSBA 7(a), Caterers$510K7.75%8 yrSBA FOIA
Sep 2026WisconsinSBA 7(a), Portfolio Management and Investment Advice$300K7.75%10 yrSBA FOIA
Sep 2026WisconsinSBA 7(a), Accommodation and Food Services$180K7.75%10 yrSBA FOIA
Sep 2026WisconsinSBA 7(a), Fitness and Recreational Sports Centers$50K8.75%10 yrSBA FOIA
Sep 2026WisconsinSBA 7(a), Plumbing, Heating, and Air-Conditioning Contractors$40K8.25%10 yrSBA FOIA
Aug 2026WisconsinSBA 7(a), Book Retailers and News Dealers$270K6.5%25 yrSBA FOIA
Aug 2026WisconsinSBA 7(a), Caterers$240K8.25%10 yrSBA FOIA
Jul 2026WisconsinSBA 7(a), Educational Services$400K7.5%25 yrSBA FOIA
Jul 2026WisconsinSBA 7(a), Nail Salons$70K8%10 yrSBA FOIA
Jul 2026WisconsinSBA 7(a), General Automotive Repair$50K8.25%10 yrSBA FOIA
Jul 2026WisconsinSBA 7(a), Other Personal and Household Goods Repair and Maintenance$27K8.75%10 yrSBA FOIA
Jul 2026WisconsinSBA 7(a), Beauty Salons$25K8.75%10 yrSBA FOIA
Jun 2026WisconsinSBA 7(a), All Other Amusement and Recreation Industries$2.3M7.5%25 yrSBA FOIA
Jun 2026WisconsinSBA 7(a), All Other Amusement and Recreation Industries$780K6.75%10 yrSBA FOIA
Jun 2026WisconsinSBA 7(a), All Other Amusement and Recreation Industries$150K6.75%10 yrSBA FOIA
2025Milwaukee County, WIPurchase, 5 to 24 units$800K7.25%1 yr75%HMDA 2025
2025Waukesha County, WIPurchase, 5 to 24 units$1M7.5%1 yr60%HMDA 2025
2025Milwaukee County, WIPurchase, 5 to 24 units$320K7.5%1 yr71%HMDA 2025
2025Milwaukee County, WIPurchase, 5 to 24 units$660K7.25%1 yr71%HMDA 2025
2025Milwaukee County, WIPurchase, 5 to 24 units$1M7.5%1 yr61%HMDA 2025
2025Milwaukee County, WIPurchase, 5 to 24 units$740K6.75%5 yr78%HMDA 2025
2025Milwaukee County, WIRefinance, 5 to 24 units$660K7%3 yr58%HMDA 2025
2025Dane County, WIPurchase, 5 to 24 units$820K7.25%5 yr75%HMDA 2025
77 SBA 7(a) loans since October 2023, net of cancelled$19.2MSBA FOIA

A blank means the source did not report it.

What it holds

NCUA 5300, June 30, 2026

Commercial book on the latest filing
BookHoldsOf its loansYear over yearLoansAverage
Multifamily$271M3.9%+26.3%191$1.42M
Construction and land development$54.0M0.8%+6.1%39$1.39M
Owner-occupied CRE$314M4.5%+10.8%482$651K
Non-owner-occupied CRE$211M3.0%-3.6%135$1.56M
Farmland$00.0%Not reported0Not reported
Commercial and industrial$189M2.7%+13.6%501$377K
Other real-estate-secured commercial$00.0%Not reportedNot reportedNot reported
Commercial total$1.04B
NCUA 5300,
Table
Commercial book by quarter
QuarterCommercial book
Q3 2023$899M
Q4 2023$897M
Q1 2024$913M
Q2 2024$924M
Q3 2024$927M
Q4 2024$939M
Q1 2025$925M
Q2 2025$934M
Q3 2025$924M
Q4 2025$935M
Q1 2026$977M
Q2 2026$1.04B
NCUA 5300,
Loans on record, by kind
Kind of loanPeriodLoans madeDollarsTypical sizeLargestSource
Multifamily, 5 or more units202535$54.9M$755K$12MHMDA,
Multifamily, 5 or more units202423$15.9M$485KHMDA,
1-4 unit investor or business purpose2025283$64.8M$175KHMDA,
SBA 7(a), net of cancelled36 months to Sep 202677$19.2M$150K$2.3MSBA FOIA,
SBA 7(a), net of cancelled12 months to Sep 202647$14.1MSBA FOIA,
SBA 504 first lien, net of cancelled36 months to Sep 202627$30.7M$840K$5MSBA FOIA,
Real-estate-secured commercialFirst half of 2026127$171MNCUA 5300,
MultifamilyFirst half of 202624$58.2MNCUA 5300,
ConstructionFirst half of 202612$42.2MNCUA 5300,
Owner-occupied CREFirst half of 202654$35.9MNCUA 5300,
Non-owner-occupied CREFirst half of 202637$35.0MNCUA 5300,
C&IFirst half of 202682$48.5MNCUA 5300,

How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its NCUA charter number. SBA 504 first liens: name and lender office city.

Average loan on the books, by kind
BookAverage loan
Construction and land development$1.39M
Multifamily$1.42M
Owner-occupied CRE$651K
Non-owner-occupied CRE$1.56M
Commercial and industrial$377K
NCUA 5300,
SBA loans by industry, 36 months
IndustryLoansDollars
Full-Service Restaurants6$3.30M
Professional, Scientific, and Technical Services5$1.48M
SBA FOIA,

Other lenders in these fields: SBA lenders for restaurants, SBA lenders for professional services firms.

Programs on record: Federal Home Loan Bank member, Chicago district (FHFA).

Where it lends

Offices beside loans on record

Offices and recorded loans by state
StateOfficesMultifamily 20251-4 investor 2025SBA 7(a) 36 mo.SBA 504 36 mo.
Wisconsin HQ57352777727
Illinois00500
Florida00100
NCUA, HMDA, SBA FOIA,
Counties with the most recorded loans (5 or more)
CountyRecorded loansDollars
Milwaukee County, WI34$25.8M
Dane County, WI5$4.24M
HMDA, SBA FOIA,
Metro areas with the most recorded loans (5 or more)
MetroRecorded loansDollars
Milwaukee-Waukesha, WI37$27.3M
Madison, WI6$4.61M
HMDA, SBA FOIA,

Capacity. Not a rating

Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.

Lending capacity measures, with peers
MeasureThis lenderIts peersHow it is worked outSource
Business loan cap$1.04B$342M to $968M across 8 peersEstimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union.NCUA 5300, 12 CFR 723.8, Jun 30, 2026
Business loans outstanding$1.18B$167M to $2.31B across 8 peersNet member business loans, as reported on Form 5300.NCUA 5300,
Cap used113.0%34.3% to 253.9% across 8 peersBusiness loans outstanding over the estimated cap.NCUA 5300,
Largest single borrower$132M$51.6M to $132M across 8 peersEstimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated.NCUA 5300, 12 CFR 723.4, Jun 30, 2026
CRE to net worth60.8%24.4% to 253.3% across 8 peers(Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit.NCUA 5300,
Loans to assets81.1%64.3% to 90.1% across 8 peersTotal loans divided by total assets.NCUA 5300,

Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.

Loan channel and SBA processing

Public record only

SBA Express
38 loans
Approval to first disbursement
19.5 days, median of 58

SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.

Peers

Same kind of lender, similar size and book

Peers
LenderStateTotal assetsCommercial book
Community First Credit UnionWI$6.84B$1.91B
Royal Credit UnionWI$5.91B$1.50B
Landmark Credit UnionWI$7.91B$2.24B
Educators Credit UnionWI$3.99B$164M
Covantage Credit UnionWI$4.21B$908M
Altra Credit UnionWI$3.14B$423M
Fox Communities Credit UnionWI$3.39B$948M
Capital Credit UnionWI$2.79B$328M
NCUA 5300,

Compare these lenders side by side

What we don't know

  • Whether it is taking new loans today, or on what terms.
  • Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
  • Whether it takes brokers. No figure here means no evidence, not a refusal.
  • Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.

Check this page

Against the regulator's own record

  1. Name and charter. Summit Credit Union, NCUA charter 67190. Compare it with the regulator's record. [NCUA profile]
  2. Balances. $8.52B in total assets and $1.04B in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
  3. Loans made. 127 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 445 loans in HMDA and SBA files, through September 30, 2026: 35 HMDA multifamily 2025, 23 HMDA multifamily 2024, 283 HMDA 1-4 unit investor 2025, 77 SBA 7(a) in 36 months, 27 SBA 504 first liens in 36 months. [How each file was tied to Summit Credit Union]
  4. Phone and website. Phone 608-243-5000, from the NCUA record. Website summitcreditunion.com, from the NCUA record. [How to reach them]

Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error

For the record

Data as of June 30, 2026. Page last changed November 12, 2026.

Regulator
NCUA and state regulator
NCUA charter
67190
RSSD
734499
LEI
254900NTAC4H10MGSU23
The Lender Report ID
lr_000241
Main office county
Dane
Members
286,022
NCUA region
3 - Western

NCUA credit union details,

  • Reported $8.5B in total assets as of June 30, 2026 (NCUA 5300).
  • Held $1B of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
  • Held $313.7M of owner-occupied commercial real estate loans as of June 30, 2026, up 10.8% from a year earlier (NCUA 5300).
  • Held $271.1M of multifamily loans as of June 30, 2026, up 26.2% from a year earlier (NCUA 5300).
  • Held $210.8M of non-owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
  • Originated 35 multifamily loans totaling $54.9M in 2025 (HMDA).
7 more sentences
  • Originated 23 multifamily loans totaling $15.9M in 2024 (HMDA).
  • Originated 283 1-4 unit investor or business-purpose loans totaling $64.8M in 2025 (HMDA).
  • Recorded 79 SBA 7(a) approvals totaling $19.6M from October 1, 2023 to September 30, 2026, of which 2 were later cancelled (SBA).
  • Provided the first lien on 27 SBA 504 projects with $30.7M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
  • Originated 127 real-estate-secured commercial loans totaling $171.3M in the first half of 2026 (NCUA 5300).
  • Held $17M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
  • Listed 57 offices in 1 state (NCUA).

Cite this

Source: The Lender Report, Summit Credit Union, https://lender.report/lender/summit-credit-union-wi/, data as of June 30, 2026.

Sources

Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.

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Work at Summit Credit Union? Claim this page, free.

Call 608-243-5000Website

Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem