Syracuse, NY · Charter 20496
NCUA · 7 branches
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
2
Asset Quality
36
Profitability
29
Liquidity
50
Efficiency
42
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 20496
NCUA · 7 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.33% | 0.31% | 0.29% | 0.19% | 0.41% | +8 bps | |
| Return on Equity | 4.51% | 4.14% | 3.95% | 2.65% | 5.61% | +110 bps | |
| Net Interest Margin | 2.98% | 3.03% | 3.01% | 2.94% | 3.00% | +2 bps | |
| Efficiency Ratio | 86.22% | 87.03% | 87.22% | 87.26% | 81.05% | -517 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.28% | 7.51% | 8.21% | 6.61% | 4.87% | +59 bps | |
| Loan Growth (YoY) | 2.77% | 2.90% | 4.07% | 1.65% | 0.38% | -238 bps | |
| Share Growth (YoY) | 4.24% | 7.73% | 8.92% | 7.38% | 5.35% | +111 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.17% | 1.16% | 0.89% | 0.88% | 0.93% | -24 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.38% | 7.48% | 7.44% | 7.32% | 7.37% | -1 bps | |
| Net Worth / Assets | 7.38% | 7.48% | 7.44% | 7.32% | 7.37% | -1 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.70% | 57.41% | 56.57% | 54.14% | 54.03% | -267 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Syracuse, NY · Charter 20496 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
Return on Assets
0.41%
Rank 1,215 of 1,683
Net Interest Margin
3.00%
Rank 1,458 of 1,683
Efficiency Ratio
81.06%
Rank 983 of 1,682
Equity / Assets
7.37%
Rank 1,655 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.41% | 0.35% | 0.74% | 1.18% | Beats 28% | 1,215 / 1,683 | |
| Return on Equity | 5.61% | 2.67% | 5.89% | 8.74% | Beats 47% | 887 / 1,681 | |
| Net Interest Margin | 3.00% | 3.31% | 3.82% | 4.32% | Beats 13% | 1,458 / 1,683 | |
| Efficiency Ratio | 81.06% | 68.91% | 78.20% | 86.93% | Beats 42% | 983 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.93% | 0.26% | 0.65% | 1.29% | Beats 36% | 1,074 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 7.37% | 10.44% | 12.89% | 16.53% | Beats 2% | 1,655 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 7.37% | 10.44% | 12.89% | 16.53% | Beats 2% | 1,655 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 54.03% | 52.61% | 69.38% | 83.50% | 27th pctl | 1,233 / 1,683 | |
| Loans / Assets | 49.75% | 44.71% | 59.18% | 70.72% | 33rd pctl | 1,129 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||