Secny
Syracuse, NY · Charter 20496 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
$322.7MAssets
$160.6MLoans
$297.2MShares
$23.8MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 47% of credit unions under $1B in assets (rank 887 of 1681).
- Widest gap: equity / assets trails 98% of credit unions under $1B in assets (rank 1655 of 1683).
- Overall: at or above the peer median on 0 of 7 directional measures.
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 |