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
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 | 0.45% | 0.46% | 0.32% | 0.33% | 0.31% | 0.29% | 0.19% | 0.41% | +8 bps | |
| Return on Equity | 5.92% | 5.93% | 4.30% | 4.51% | 4.14% | 3.95% | 2.65% | 5.61% | +110 bps | |
| Net Interest Margin | 3.11% | 3.11% | 2.98% | 2.98% | 3.03% | 3.01% | 2.94% | 3.00% | +2 bps | |
| Efficiency Ratio | 83.29% | 83.07% | 85.56% | 86.22% | 87.03% | 87.22% | 87.26% | 81.05% | -517 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.47% | 0.26% | 2.82% | 4.28% | 7.51% | 8.21% | 6.61% | 4.87% | +59 bps | |
| Loan Growth (YoY) | 4.53% | 0.02% | 0.79% | 2.77% | 2.90% | 4.07% | 1.65% | 0.38% | -238 bps | |
| Share Growth (YoY) | 0.42% | 0.30% | 2.70% | 4.24% | 7.73% | 8.92% | 7.38% | 5.35% | +111 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.07% | 1.23% | 0.87% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.67% | 7.74% | 7.52% | 7.38% | 7.48% | 7.44% | 7.32% | 7.37% | -1 bps | |
| Net Worth / Assets | 7.67% | 7.74% | 7.52% | 7.38% | 7.48% | 7.44% | 7.32% | 7.37% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.10% | 59.21% | 57.19% | 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% | 0.00% | 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 | 8-Qtr Trend | 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 | ||||||