Syracuse, NY · Charter 13938
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
42
Asset Quality
85
Profitability
68
Liquidity
2
Efficiency
84
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Syracuse, NY · Charter 13938
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.80% | 1.46% | 1.24% | 1.27% | 1.18% | 1.40% | 1.22% | -3 bps | |
| Return on Equity | 8.25% | 7.68% | 13.84% | 11.57% | 11.28% | 10.25% | 11.76% | 10.03% | -154 bps | |
| Net Interest Margin | 3.07% | 3.11% | 3.33% | 3.22% | 3.39% | 3.36% | 4.07% | 3.72% | +50 bps | |
| Efficiency Ratio | 66.55% | 68.45% | 52.87% | 59.95% | 60.75% | 63.34% | 59.56% | 64.21% | +425 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.65% | 2.19% | 3.67% | 2.84% | 1.28% | 1.03% | -1.88% | -2.02% | -485 bps | |
| Loan Growth (YoY) | 4.90% | 9.60% | 4.81% | 17.07% | 12.58% | 3.66% | 0.48% | -6.61% | -2,367 bps | |
| Share Growth (YoY) | -1.56% | 1.54% | 2.91% | 1.99% | 0.15% | -0.20% | -3.39% | -3.54% | -553 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.05% | 0.00% | 0.00% | 0.29% | 0.41% | 0.01% | 0.00% | 0.13% | -16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.87% | 1.92% | 2.03% | 1.87% | 2.00% | 2.06% | 2.32% | 2.12% | +25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.27% | 10.43% | 10.53% | 10.75% | 11.25% | 11.50% | 11.90% | 12.13% | +138 bps | |
| Net Worth / Assets | 10.27% | 10.43% | 10.53% | 10.75% | 11.25% | 11.50% | 11.90% | 12.13% | +138 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.93% | 38.04% | 37.40% | 40.59% | 40.39% | 39.52% | 38.90% | 39.30% | -129 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Syracuse, NY · Charter 13938 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.21%
Rank 397 of 1,683
Net Interest Margin
3.71%
Rank 927 of 1,683
Efficiency Ratio
64.39%
Rank 278 of 1,682
Equity / Assets
12.12%
Rank 971 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.21% | 0.35% | 0.74% | 1.18% | Beats 76% | 397 / 1,683 | ||
| Return on Equity | 9.98% | 2.67% | 5.89% | 8.74% | Beats 83% | 283 / 1,681 | ||
| Net Interest Margin | 3.71% | 3.31% | 3.82% | 4.32% | Beats 45% | 927 / 1,683 | ||
| Efficiency Ratio | 64.39% | 68.91% | 78.20% | 86.93% | Beats 84% | 278 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.13% | 0.26% | 0.65% | 1.29% | Beats 85% | 259 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.12% | 10.44% | 12.89% | 16.53% | Beats 42% | 971 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.12% | 10.44% | 12.89% | 16.53% | Beats 42% | 971 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 39.30% | 52.61% | 69.38% | 83.50% | 11th pctl | 1,504 / 1,683 | ||
| Loans / Assets | 34.51% | 44.71% | 59.18% | 70.72% | 12th pctl | 1,477 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||