Syracuse, NY · Charter 22972
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
20
Asset Quality
87
Profitability
32
Liquidity
0
Efficiency
21
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 22972
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 | 0.34% | 0.35% | 0.35% | 0.38% | 0.39% | +5 bps | |
| Return on Equity | 3.44% | 3.52% | 3.55% | 3.97% | 3.90% | +45 bps | |
| Net Interest Margin | 3.52% | 3.48% | 3.44% | 3.26% | 3.57% | +4 bps | |
| Efficiency Ratio | 87.07% | 86.57% | 87.01% | 87.61% | 88.64% | +157 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.99% | 0.28% | 3.55% | 4.31% | 1.57% | +357 bps | |
| Loan Growth (YoY) | -1.96% | -3.58% | -2.04% | -5.32% | -5.99% | -404 bps | |
| Share Growth (YoY) | -2.66% | 0.20% | 3.46% | 4.45% | 1.44% | +411 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.71% | 0.30% | 0.03% | 0.04% | 0.09% | -62 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 | 9.78% | 9.85% | 9.77% | 9.49% | 10.00% | +22 bps | |
| Net Worth / Assets | 9.78% | 9.85% | 9.77% | 9.49% | 10.00% | +22 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.32% | 36.57% | 36.39% | 33.50% | 35.51% | -281 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Syracuse, NY · Charter 22972 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.39%
Rank 1,235 of 1,683
Net Interest Margin
3.56%
Rank 1,079 of 1,683
Efficiency Ratio
88.83%
Rank 1,336 of 1,682
Equity / Assets
10.00%
Rank 1,343 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.39% | 0.35% | 0.74% | 1.18% | Beats 27% | 1,235 / 1,683 | |
| Return on Equity | 3.85% | 2.67% | 5.89% | 8.74% | Beats 34% | 1,114 / 1,681 | |
| Net Interest Margin | 3.56% | 3.31% | 3.82% | 4.32% | Beats 36% | 1,079 / 1,683 | |
| Efficiency Ratio | 88.83% | 68.91% | 78.20% | 86.93% | Beats 21% | 1,336 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.09% | 0.26% | 0.65% | 1.29% | Beats 87% | 226 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.00% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,343 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.00% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,343 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 35.51% | 52.61% | 69.38% | 83.50% | 8th pctl | 1,553 / 1,683 | |
| Loans / Assets | 31.86% | 44.71% | 59.18% | 70.72% | 9th pctl | 1,525 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||