Suma
Yonkers, NY · Charter 16360 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 6 branches
Q2 2026
$468.3MAssets
$331.7MLoans
$410.4MShares
$57.3MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 61% of credit unions under $1B in assets in NY (rank 24 of 59).
- Widest gap: net interest margin trails 95% of credit unions under $1B in assets in NY (rank 56 of 59).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.60%
Rank 42 of 59
Net Interest Margin
2.40%
Rank 56 of 59
Efficiency Ratio
71.18%
Rank 24 of 59
Equity / Assets
12.25%
Rank 34 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.60% | 0.28% | 1.01% | 1.42% | Beats 29% | 42 / 59 | | |
| Return on Equity | 4.91% | 2.31% | 7.92% | 10.52% | Beats 32% | 40 / 59 | | |
| Net Interest Margin | 2.40% | 3.24% | 3.66% | 4.04% | Beats 5% | 56 / 59 | | |
| Efficiency Ratio | 71.18% | 63.53% | 74.15% | 82.44% | Beats 61% | 24 / 59 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.19% | 0.32% | 0.68% | 1.20% | Beats 12% | 53 / 59 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.25% | 10.94% | 13.05% | 16.06% | Beats 42% | 34 / 59 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.25% | 10.94% | 13.05% | 16.06% | Beats 42% | 34 / 59 | | |
| Liquidity & Funding |
| Loans / Deposits | 80.82% | 40.49% | 57.59% | 78.86% | 80th pctl | 12 / 59 | | |
| Loans / Assets | 70.83% | 33.06% | 50.92% | 63.03% | 85th pctl | 9 / 59 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |