Syracuse, NY · Charter 23865
NCUA · 3 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
61
Asset Quality
3
Profitability
96
Liquidity
0
Efficiency
76
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 23865
NCUA · 3 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 | 1.30% | 2.30% | 11.58% | 6.81% | 4.99% | 3.65% | 7.68% | 3.22% | -359 bps | |
| Return on Equity | 15.78% | 24.06% | 104.02% | 57.94% | 41.28% | 32.02% | 60.93% | 22.79% | -3,516 bps | |
| Net Interest Margin | 4.69% | 4.73% | 4.97% | 4.83% | 5.04% | 4.70% | 4.86% | 4.79% | -4 bps | |
| Efficiency Ratio | 82.32% | 75.69% | 42.21% | 53.09% | 59.53% | 63.75% | 49.88% | 68.51% | +1,542 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.88% | 1.79% | 5.14% | 3.43% | 4.37% | 13.01% | 6.00% | 7.28% | +386 bps | |
| Loan Growth (YoY) | 11.39% | 12.14% | 9.05% | 5.68% | 6.72% | 7.04% | 10.44% | 16.03% | +1,035 bps | |
| Share Growth (YoY) | 15.76% | 5.22% | 3.80% | 3.83% | 5.93% | 16.21% | 9.94% | 8.53% | +470 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.40% | 7.34% | 6.14% | 6.49% | 6.00% | 5.19% | 5.69% | 5.24% | -126 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 | 8.23% | 9.55% | 11.14% | 11.75% | 12.08% | 11.41% | 12.61% | 14.12% | +237 bps | |
| Net Worth / Assets | 8.23% | 9.55% | 11.14% | 11.75% | 12.08% | 11.41% | 12.61% | 14.12% | +237 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.38% | 102.23% | 92.79% | 95.09% | 100.12% | 94.15% | 93.21% | 101.67% | +657 bps | |
| Liquid Assets / Assets | 0.00% | 99.59% | 0.00% | 0.00% | 99.89% | 0.00% | 0.00% | 0.00% | 0 bps | |
Syracuse, NY · Charter 23865 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
3.22%
Rank 8 of 1,683
Net Interest Margin
4.79%
Rank 213 of 1,683
Efficiency Ratio
68.51%
Rank 407 of 1,682
Equity / Assets
14.12%
Rank 657 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 3.22% | 0.35% | 0.74% | 1.18% | Beats 100% | 8 / 1,683 | ||
| Return on Equity | 22.79% | 2.67% | 5.89% | 8.74% | Beats 100% | 8 / 1,681 | ||
| Net Interest Margin | 4.79% | 3.31% | 3.82% | 4.32% | Beats 87% | 213 / 1,683 | ||
| Efficiency Ratio | 68.51% | 68.91% | 78.20% | 86.93% | Beats 76% | 407 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 5.24% | 0.26% | 0.65% | 1.29% | Beats 3% | 1,629 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.12% | 10.44% | 12.89% | 16.53% | Beats 61% | 657 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.12% | 10.44% | 12.89% | 16.53% | Beats 61% | 657 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 101.67% | 52.61% | 69.38% | 83.50% | 97th pctl | 49 / 1,683 | ||
| Loans / Assets | 82.64% | 44.71% | 59.18% | 70.72% | 95th pctl | 85 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||