PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Suma

Yonkers, NY · Charter 16360

NCUA · 6 branches

Q2 2026

$468.3MAssets
$331.7MLoans
$410.4MShares
$57.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.60%, up 10 bps year over year; NIM at 2.40%.
  • Asset quality: problem loans at 2.19% of loans (+28 bps YoY).
  • Capital: net worth / assets of 12.25%, down 9 bps from a year ago.
  • Funding: loans stand at 80.82% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.60%+10 bps YoY

Net Interest Margin (YTD, annualized)

2.40%+35 bps YoY

Efficiency Ratio (YTD, annualized)

71.20%-660 bps YoY

Net Worth / Assets

12.25%-9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.61%0.60%0.57%0.60%+10 bps
Return on Equity4.08%4.92%4.88%4.66%4.91%+83 bps
Net Interest Margin2.05%2.12%2.14%2.41%2.40%+35 bps
Efficiency Ratio77.80%74.17%74.26%74.56%71.20%-660 bps
Growth
Asset Growth (YoY)4.50%5.17%6.28%5.07%5.36%+86 bps
Loan Growth (YoY)9.32%10.59%9.99%10.10%7.16%-216 bps
Share Growth (YoY)4.71%5.16%6.44%4.95%5.33%+62 bps
Asset Quality
Delinquent Loans / Loans1.91%2.14%1.95%1.54%2.19%+28 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.34%12.42%12.22%12.28%12.25%-9 bps
Net Worth / Assets12.34%12.42%12.22%12.28%12.25%-9 bps
Liquidity & Funding
Loans / Shares79.44%81.03%80.00%80.83%80.82%+138 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps