Syracuse, NY · Charter 22566
NCUA · 1 branch
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
58
Asset Quality
73
Profitability
24
Liquidity
30
Efficiency
24
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 22566
NCUA · 1 branch
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 | 0.35% | 0.39% | 0.44% | 0.36% | 0.43% | +7 bps | |
| Return on Equity | 2.67% | 2.94% | 3.23% | 2.72% | 3.09% | +42 bps | |
| Net Interest Margin | 2.57% | 2.67% | 2.75% | 2.85% | 3.01% | +44 bps | |
| Efficiency Ratio | 85.89% | 84.48% | 83.54% | 88.70% | 87.40% | +151 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.04% | -0.67% | -0.10% | -2.29% | -1.21% | -225 bps | |
| Loan Growth (YoY) | -7.58% | -3.88% | -5.86% | -4.09% | -2.03% | +556 bps | |
| Share Growth (YoY) | -1.28% | -2.08% | -1.91% | -4.84% | -3.28% | -200 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.08% | 0.58% | 0.25% | 0.29% | 0.29% | -79 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 | 13.14% | 13.36% | 13.63% | 13.35% | 13.78% | +63 bps | |
| Net Worth / Assets | 13.14% | 13.36% | 13.63% | 13.35% | 13.78% | +63 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.32% | 48.70% | 48.50% | 46.30% | 47.93% | +61 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Syracuse, NY · Charter 22566 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.43%
Rank 1,203 of 1,683
Net Interest Margin
3.01%
Rank 1,455 of 1,683
Efficiency Ratio
87.41%
Rank 1,281 of 1,682
Equity / Assets
13.78%
Rank 705 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.43% | 0.35% | 0.74% | 1.18% | Beats 29% | 1,203 / 1,683 | |
| Return on Equity | 3.09% | 2.67% | 5.89% | 8.74% | Beats 28% | 1,203 / 1,681 | |
| Net Interest Margin | 3.01% | 3.31% | 3.82% | 4.32% | Beats 14% | 1,455 / 1,683 | |
| Efficiency Ratio | 87.41% | 68.91% | 78.20% | 86.93% | Beats 24% | 1,281 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.29% | 0.26% | 0.65% | 1.29% | Beats 73% | 457 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.78% | 10.44% | 12.89% | 16.53% | Beats 58% | 705 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.78% | 10.44% | 12.89% | 16.53% | Beats 58% | 705 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 47.93% | 52.61% | 69.38% | 83.50% | 19th pctl | 1,356 / 1,683 | |
| Loans / Assets | 42.15% | 44.71% | 59.18% | 70.72% | 22nd pctl | 1,318 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||