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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