PackageTrendsPeer
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Secny

Syracuse, NY · Charter 20496

NCUA · 7 branches

Q2 2026

$322.7MAssets
$160.6MLoans
$297.2MShares
$23.8MNet 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 0.41%, up 8 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 0.93% of loans (-24 bps YoY).
  • Capital: net worth / assets of 7.37%, down 1 bps from a year ago.
  • Funding: loans stand at 54.03% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.41%+8 bps YoY

Net Interest Margin (quarter, annualized)

3.00%+2 bps YoY

Efficiency Ratio (quarter, annualized)

81.05%-517 bps YoY

Net Worth / Assets

7.37%-1 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.33%0.31%0.29%0.19%0.41%+8 bps
Return on Equity4.51%4.14%3.95%2.65%5.61%+110 bps
Net Interest Margin2.98%3.03%3.01%2.94%3.00%+2 bps
Efficiency Ratio86.22%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 / Loans1.17%1.16%0.89%0.88%0.93%-24 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 Capital7.38%7.48%7.44%7.32%7.37%-1 bps
Net Worth / Assets7.38%7.48%7.44%7.32%7.37%-1 bps
Liquidity & Funding
Loans / Shares56.70%57.41%56.57%54.14%54.03%-267 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps