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Sunnyside Federal Savings and Loan Association of Irvington

Irvington, NY · Cert 28805 · Vecta Partners LLC

State savings bank · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

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.

Peer group

Banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30 to 31). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

52

Q2 2024Q2 2026peer median (50)

Asset Quality

87

Q2 2024Q2 2026peer median (50)

Profitability

22

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

6

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Sunnyside Federal Savings and Loan Association of Irvington

Irvington, NY · Cert 28805 · Vecta Partners LLC

State savings bank · OCC · 1 branch

Q2 2026

$82.3MAssets
$46.6MLoans
$72.2MDeposits
$9.8MEquity
Loan mix
94%RE $44.2M3%C&I $1.2M4%Consumer $1.8MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $64.7M10%Noninterest $7.5MQ2 2025Q2 2026

NIM

4.59%Q2 ’244.88%Q2 ’255.10%Q2 ’26-12%+6%

Non-interest income vs. expense

6.11%Q2 ’244.19%Q2 ’254.30%Q2 ’26-32%+4%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #132 of 151 inst. · $0.1B of $2921.1B

Executive Summary

  • Earnings: ROA of -0.86%, up 50 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 0.18% of loans (-4 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 12.26%, down 17 bps from a year ago.
  • Funding: loans stand at 64.52% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.86%+50 bps YoY

Net Interest Margin (YTD, annualized)

3.49%+21 bps YoY

Efficiency Ratio (YTD, annualized)

119.63%-283 bps YoY

Tier 1 Leverage Ratio

12.26%-17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.36%-1.67%-1.18%-0.97%-0.86%+50 bps
Return on Equity-11.39%-14.39%-10.07%-8.18%-7.19%+419 bps
Net Interest Margin3.28%3.41%3.37%3.30%3.49%+21 bps
Efficiency Ratio122.46%136.28%123.61%115.95%119.63%-283 bps
Non-Interest Burden4.01%4.66%4.19%3.81%4.16%+15 bps
Growth
Asset Growth (YoY)-5.19%4.13%-1.15%-1.82%-5.05%+14 bps
Loan Growth (YoY)0.58%-3.72%1.04%5.77%6.80%+621 bps
Deposit Growth (YoY)1.76%14.57%-1.35%-1.42%-4.95%-671 bps
Asset Quality
Nonperforming Loans / Loans0.22%0.31%0.20%0.20%0.18%-4 bps
Net Charge-Offs / Loans0.59%0.36%0.36%-0.02%-0.02%-60 bps
Allowance / Loans1.19%1.28%1.23%1.31%1.25%+6 bps
Allowance Coverage of NPLs5.4x4.1x6.0x6.5x6.9x+1.5x
Capital
Tier 1 Leverage Ratio12.43%12.15%12.09%11.92%12.26%-17 bps
Total Risk-Based Capital23.34%20.57%20.85%19.79%20.96%-238 bps
Equity / Assets11.97%10.75%12.03%11.76%11.91%-5 bps
Liquidity & Funding
Loans / Deposits57.43%51.15%56.50%62.24%64.52%+710 bps
Liquid Assets / Assets10.02%17.81%10.46%5.68%7.50%-253 bps
CRE / Total Capitaln/a236%232%256%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Sunnyside Federal Savings and Loan Association of Irvington

Irvington, NY · Cert 28805 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31) · Vecta Partners LLC

State savings bank · OCC · 1 branch

Q2 2026

$82.3MAssets
$46.6MLoans
$72.2MDeposits
$9.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 17 of 30).
  • Widest gap: return on assets trails 97% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 30 of 31).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

-0.89%

Rank 30 of 31

Net Interest Margin

3.49%

Rank 13 of 31

Efficiency Ratio

119.63%

Rank 30 of 31

Equity / Assets

11.91%

Rank 19 of 31

Non-interest income vs. expense

$0.1M$3.6MINCOMEEXPENSE
Unfavorable gap of $3.5M · efficiency ratio beats 6% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 119.63%Peer median 83.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.89%-0.02%0.39%0.84%Beats 3%30 / 31
Return on Equity-7.45%-0.19%2.57%5.72%Beats 6%29 / 31
Net Interest Margin3.49%2.51%3.30%3.85%Beats 58%13 / 31
Efficiency Ratio119.63%68.41%83.66%91.76%Beats 6%30 / 31
Asset Quality
Nonperforming Loans / Loans0.18%0.18%0.47%2.65%Beats 73%9 / 30
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 30
Capital
Tier 1 Capital Ratio19.83%13.24%15.54%26.77%Beats 58%13 / 31
Total Risk-Based Capital Ratio20.96%14.07%16.32%26.77%Beats 58%13 / 31
Equity / Assets11.91%10.38%13.26%17.83%Beats 39%19 / 31
Liquidity & Funding
Loans / Deposits64.52%84.03%94.98%103.65%10th pctl28 / 31
Loans / Assets56.65%61.61%75.31%83.78%16th pctl26 / 31
Brokered Deposits / Depositsn/aNot reported for this institution